JPWO2003091921A1

JPWO2003091921A1 - Consideration payment management method and server, consideration payment management program, computer-readable recording medium, consideration payment management medium, and consideration payment recording medium

Info

Publication number: JPWO2003091921A1
Application number: JP2004500224A
Authority: JP
Inventors: 利一大番
Original assignee: 有限会社スペースビックバーン
Priority date: 2002-03-29
Filing date: 2003-03-28
Publication date: 2005-09-02
Anticipated expiration: 2023-03-28
Also published as: EP1498833A1; JP3657263B2; EP1498833A4; WO2003091921A2; CN1650304A; AU2003236192B2; AU2003236192A1; ZA200407566B; US20050222950A1

Abstract

要約書なし。No summary.

Description

技術分野
本発明は、商品やサービス、あるいは労働などに対する対価の支払の管理に関するものであり、特に、対価の支払義務者が、受取権利者に対価相当額を与信限度額として付与するものである。
背景技術
たとえば企業に勤める従業員（受取権利者）の賃金は、所定の支払日（たとえば給料日）に現金、あるいは従業員の口座に振込まれるなどして支払われている。すなわち企業の経営者（支払義務者）は、所定の日までに賃金相当額を準備する必要がある。
これまでにも、企業の経営者が従業員に支払う賃金と、企業が従業員に設定する与信枠とを関連付けることで、企業の経営者は、従業員が購入した商品の代金を与信枠の範囲内で従業員に代わって立替払いしておき、従業員の賃金を立替払いの代金に充当するようにした決済方法が提案されている（たとえば、特許文献「特開平２００２−０７４２１３号公報」参照）。
しかしながら、従業員は、支払われた賃金の全額を一時に使い果すことはなく、必要に応じて賃金の一部を使うため、使われない賃金の一部は、従業員の手元に残る、あるいは従業員の口座に預金として放置される。
すなわち、企業の経営者は、賃金の全額が使われない、つまり従業員が当面は必要としていない額も含めて、所定の支払日に支払っていることになる。企業の経営者にとっては、企業の利益に対する賃金の割合が大きければ、賃金の支払は負担となるが、従業員が当面は必要としない額を企業の内部に留保できるとすれば、企業の経営者は、賃金の支払の負担から解放されることとなる。
同様に、たとえば企業間をはじめとする商取引において、商品の購入企業（支払義務者）が、所定の支払日までに代金相当額を準備する必要がなく、販売企業（受取権利者）が当面は必要としない額を購入企業の内部に留保できるとすれば、購入企業は、代金の支払負担から解放されることとなる。
本発明は、以上のような従来の実情に鑑みてなされたもので、対価の支払の負担から支払義務者を解放することができる、対価支払管理方法とサーバ、対価支払管理プログラムとコンピュータ読取可能な記録媒体、並びに対価支払管理媒体と対価支払記録媒体を提供することを目的とする。
発明の開示
本発明は、支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理する方法であって、受取権利者の対価相当額が、サーバに入力されるステップと、サーバが、入力された対価相当額を受取権利者の与信限度額として管理するステップと、サーバが、受取権利者の信用取引に係る取引額を含む取引情報を受付けるステップと、サーバが、受付けた取引情報に基づき、支払義務者が支払うべき保証額を算出するステップと、サーバが、管理する与信限度額から算出した保証額を減額して新たな与信限度額として管理するステップ、とを有することを特徴とする。支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理する方法であって、受取権利者の対価相当額が、サーバに入力されるステップと、サーバが、入力された対価相当額を受取権利者の与信限度額として管理するステップと、サーバが、受取権利者の信用取引に係る取引額を含む取引情報を受付けるステップと、サーバが、受付けた取引情報に基づき、支払義務者が支払うべき保証額を算出するステップと、サーバが、管理する与信限度額から算出した保証額を減額して新たな与信限度額として管理するステップ、とを有する。
これにより、支払義務者は、対価相当額を限度として、受取権利者が必要とする時に必要な額を支払うことができる。その結果、支払義務者は対価の支払日に対価の全額を準備する必要がなくなるため、対価の支払の負担から支払義務者を解放することができる。
また、本発明は、支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理する方法であって、受取権利者の対価相当額と他の与信額が、サーバに入力されるステップと、サーバが、入力された対価相当額と他の与信額の合計を受取権利者の与信限度額として管理するステップと、サーバが、受取権利者の信用取引に係る取引額を含む取引情報を受付けるステップと、サーバが、受付けた取引情報に基づき、支払義務者が支払うべき保証額を算出するステップと、サーバが、管理する与信限度額から算出した保証額を減額して新たな与信限度額として管理するステップ、とを有する。
これにより、受取権利者は、対価相当額以上の信用取引を行うこともできる。すなわち、支払義務者は受取権利者に対して、対価相当額以上の与信を与えることができる。
発明を実施するための最良の形態
以下、図面を参照しながら本発明にかかる対価支払管理方法とサーバ、対価支払管理プログラムとコンピュータ読取可能な記録媒体、並びに対価支払管理媒体と対価支払記録媒体の実施の形態について説明する。
本発明において、支払義務者から受取権利者に支払われる対価は、支払義務者が、対価相当額の与信限度額を受取権利者に付与して支払う。つまり支払義務者は、受取権利者と信用取引をする相手方（以下、「取引先」という）に対して、対価相当額を限度として、当該信用取引に係る取引額に対する保証額の支払を保証するのである（取引額と保証額との関係については後述する）。
すなわち、支払義務者が支払う対価の支払先は、受取権利者ではなく、受取権利者が信用取引をした取引先であり、対価は、受取権利者と取引先との間の信用取引に係る取引額に対する保証額として支払われる。
なお本発明において、「対価の支払を管理する」とは、対価相当額を与信限度額として付与するようにした対価の支払を管理することであり、具体的には、支払義務者が受取権利者に付与した与信限度額を管理することである。また、「受取権利者の対価相当額」とは、支払義務者が受取権利者に支払うべき対価（受取権利者が支払義務者から受け取るべき対価）に相当する金額のことである。
以下、賃金を対価とした場合を例として説明する。つまり、支払義務者が雇用者であり、受取権利者が被雇用者の場合である。
図１は、雇用者が被雇用者に付与する与信限度額について説明した図である。
被雇用者への与信限度額の付与が過去に無い、つまり最初の賃金の支払日前は、被雇用者の与信限度額は「０」である（Ｓ１）。
賃金の支払日になると、賃金相当額の与信限度額が付与されるが、過去に付与された与信限度額に残高があれば、残高に賃金相当額の与信限度額を加算して新たな与信限度額とする（Ｓ２，Ｓ３）。
一方、被雇用者が取引先と信用取引を行うと、与信限度額から当該信用取引に係る取引額に対する保証額を減額し、残高を新たな与信限度額とする（Ｓ４，Ｓ５，Ｓ６）。
以下、従業員Ａ（月給５０万円）が、加盟店Ｄで商品（代金５万円）を信用取引により購入する場合に、従業員Ａの勤務先である企業Ｂが、従業員Ａに代わって商品の代金を支払う場合を例として説明する。すなわち被雇用者、雇用者、取引先をそれぞれ、従業員Ａ、企業Ｂ、加盟店Ｄとし、被雇用者の賃金相当額を５０万円、従業員Ａと加盟店Ｄとの間の信用取引に係る取引額を５万円とした例である。
ここで、企業Ｂの賃金の支払は、毎月、末日締めの末日払いであるとする。すなわち、従業員Ａの２００２年３月分の賃金「５０万」円は、３月３１日に与信限度額「５０万円」として付与される。
ただし、この時点では、従業員Ａの賃金は企業Ｂから支出されていないため、企業Ｂは、財務管理上、「未払賃金５０万円」を計上することとなり、当該５０万円は、企業Ｂの内部に留保される。
なお、以下に説明する実施の形態は、月給を賃金の例とするものであるが、本発明はこれに限定するものではなく日給などであってもよい。また、企業から従業員に支給される賃金に限定するものでもなく、たとえば、アルバイト学生などに支給される日当などであってもよい。
図２は、与信限度額を付与して支払う賃金について説明したフローチャートである。
ここで管理者Ｃとは、企業Ｂからの依頼で従業員Ａへの賃金の支払を管理する者である。ただし、本発明において、企業Ｂと、管理者Ｃとが同一者であっても構わない。
企業Ｂは、賃金支払日になると、従業員Ａを特定する情報（本実施の形態では従業員番号とする）と共に賃金相当額「５０万円」を管理者Ｃに通知する（Ｔ１）。
ただし、本発明において、賃金相当額の管理者Ｃへの通知時期については、これに限定するものではない。すなわち、たとえば、従業員Ａの賃金が固定額であれば、企業Ｂは、昇給時など賃金の額が変動した場合にのみ、賃金相当額を管理者Ｃに通知するようにしてもよい。
管理者Ｃは、従業員Ａの賃金相当額を与信限度額として設定する（Ｔ２）。その際、管理者Ｃは、企業Ｂに対して信用を供与するための事前審査を行うようにするとよい。すなわち、後述するように、従業員Ａと取引先との信用取引に係る取引額に対する企業Ｂの支払能力を確認するのである。
ここで、管理者Ｃは、本発明にかかる対価支払管理媒体であるところのカード（以下、「本カード」という）を従業員Ａに発行する（貸与など）。本カードには、従業員Ａを特定するための情報（従業員番号１）が記録してある。
なお、本カードの例としては、たとえば、磁気カードやＩＣカード（接触型、非接触型を問わず）の他に、従業員Ａを特定する情報が記載されている紙媒体などであってもよい。
また、本発明にかかる賃金支払管理媒体は、カードに限定するものではなく、従業員Ａを特定する情報が記録されたものであれば、何であっても構わない。
さらに、管理者Ｃが従業員Ａに発行する、つまり従業員Ａが賃金の支払を受けるために利用する本カードは１枚に限定するものではなく、たとえば、複数枚の本カードを発行して、従業員Ａの配偶者や子供が利用できるようにしてもよい。
ここで、従業員Ａに発行する複数の本カードには、従業員Ａを特定する情報の他に、各カードを特定する情報も記録して、カードごとに与信限度額（従業員Ａの与信限度額の一部）を付与し、さらに従業員Ａや管理者Ｃが、カードごとの利用状況を把握できるようにしてもよい。その場合、カードの発行数や、各カードに設定する与信限度額などを従業員Ａが管理者Ｃに通知するように決定してもよい（管理者Ｃがあらかじめ決めてもよい）。このようにすれば、従業員Ａは、家族に本カードを配布し、各カードの与信限度額まで信用取引をさせることができ、しかも、カードごとの利用状況を把握することができる。
なお、本カードは、たとえば、管理者Ｃが、企業Ｂから従業員Ａの賃金相当額を最初に受付けた際、あるいは、従業員Ａから管理者Ｃに要求があった場合などに発行する。
さらにまた、本カードに記録する従業員Ａを特定する情報は、企業Ｂが決めた情報（従業員番号）に限定するものではなく、管理者Ｃが独自に決めた情報でもよいし、あるいは、従業員Ａ自身が決めた情報でもよい。
さらにまた、本カードは、管理者Ｃが発行するのに代えて、たとえば企業Ｂが従業員Ａに発行したカード（従業員証など）を利用してもよく、その場合、企業Ｂから管理者Ｃに対して当該カードに記録された従業員Ａを特定する情報（従業員番号）を通知しておくとよい。
従業員Ａは、加盟店Ｄで商品を購入する際に、本カードを利用する（Ｔ３）。
すなわち、加盟店Ｄは、商品の代金「５万円」と本カードに記録された従業員Ａの従業員番号を管理者Ｃに通知して、管理者Ｃが商品の代金の支払を保証してくれるか否かを確認するための信用照会を行う（Ｔ４）。
管理者Ｃは、従業員Ａの与信限度額を確認し（Ｔ５）、取引額が与信限度額以下であるか否か、すなわち企業Ｂが商品の代金に対する保証額の支払を保証するか否かを加盟店Ｄに通知する（Ｔ６）。
加盟店Ｄは、管理者Ｃが商品の代金の支払を保証してくれることを確認した上で商品を従業員Ａに提供し（Ｔ７）、商品の代金を管理者Ｃに通知する（Ｔ８）。
ここで、以上説明した、図２の（Ｔ３）〜（Ｔ８）の処理は、従来から行われている、いわゆるクレジットカード決済に似ている。
図８は、従来のクレジットカード決済の方法について説明したフローチャートである。つまり、カード利用者ＡＸが、カード会社ＣＸの発行するクレジットカードを利用して、カード会社ＣＸといわゆる加盟店契約を締結している加盟店ＤＸと信用取引を行い（Ｖ１〜Ｖ７）、加盟店ＤＸは、カード会社ＣＸに商品の代金を請求（Ｖ８）し、カード会社ＣＸから代金を受け取る（Ｖ９）。その際、カード会社ＣＸは、商品の代金から加盟手数料を控除した残高を支払う場合もある。カード会社ＣＸは、商品の代金をカード会員ＡＸに請求（Ｖ１０）して、回収する（Ｖ１１）。
しかしながら、後述するように本発明は、本カードを利用する者、つまり信用取引をして商品を購入する者（従業員Ａ）と、取引額を支払う者（企業Ｂ）とが異なり、さらに取引額は、信用取引をして商品を購入する者の賃金（の一部）として支払われる点において、従来のクジレットカード決済とは異なる。
同様に本発明は、商品を購入する者と、当該商品の代金を支払う者とが同じ、いわゆるデビットカード決済とも異なる。
図９は、従来のデビットカード決済の方法について説明したフローチャートである。つまり、カード利用者ＡＹは、あらかじめ金融機関ＣＹに開設したカード利用者ＡＹの口座に現金を預けておく（Ｗ１、Ｗ２）。カード利用者ＡＹは、金融機関ＣＹが発行するキャッシュカードを利用して加盟店ＤＹと信用取引を行う（Ｗ３〜Ｗ７）。その際、金融機関ＣＹは、加盟店ＤＹからの依頼を受けて、取引額をカード利用者ＡＹの口座から決済用の口座に振替、その後、加盟店ＤＹからの請求に応じて加盟店ＤＹに支払う（Ｗ８，Ｗ９）。
図２に戻る。
管理者Ｃは、加盟店Ｄから通知された商品の代金に基づき、企業Ｂが支払うべき保証額を算出する（Ｔ９）。
ここで、商品の代金、つまり従業員Ａと加盟店Ｄとの間の信用取引に係る取引額と、企業Ｂが当該信用取引に対して支払う保証額との関係について説明する。
図３は、取引額と保証額との関係の例を示す図である。（ａ）と（ｂ）は、取引額と保証額とが一致する場合の例であり、（ｃ）は取引額と保証額とが一致しない場合の例である。また（ａ）は、管理者Ｃに手数料を支払わない場合の例であり、（ｂ）と（ｃ）は、管理者Ｃに手数料を支払う場合の例である。
なお、本発明における取引額と保証額との関係は、これに限定されるものではなく、この他の関係であってもよい。いずれの場合にせよ、本発明において企業Ｂは、従業員Ａの賃金（の一部）として保証額を支払う。
ここで本実施の形態は、（ａ）の場合とする。つまり、取引額と保証額は一致する場合で、管理者Ｃに手数料は支払わない場合とする。
企業Ｂは、商品の代金に基づき算出された保証額を管理者Ｃに支払い（Ｔ１０）、管理者Ｃは、商品の代金を加盟店Ｄに支払う（Ｔ１１）。
なお、この時点では、従業員Ａの賃金「５０万円」のうち、「５万円」を企業Ｂは支出しているため、従業員Ａへの未払賃金は「４５万円」となる。
ここで、管理者Ｃが加盟店Ｄに商品の代金を支払う（Ｔ１１）のは、企業Ｂから保証額を受け取る（Ｔ１０）前であっても構わない。
管理者Ｃは、従業員Ａの与信限度額を管理している５０万円から保証額５万円を減額して新たな与信限度額として４５万円を管理する（Ｔ１２）。
以降、管理者Ｃは、従業員Ａが加盟店Ｄで信用取引を行う都度、信用取引に係る取引額に基づき算出する保証額を、従業員Ａの与信限度額から減額する。
また、本発明において、従業員Ａがカードを利用することができる取引先は、１社に限定するものではなく、管理者Ｃとの間でいわゆる加盟店契約を交わしている取引先であれば複数存在しても構わない。
企業Ｂは、従業員Ａに賃金の支払についての明細を通知する（Ｔ１３）。
図４は、本発明にかかる対価支払記録媒体の実施の形態を示す説明図であり、企業Ｂが従業員Ａに配布する賃金支払明細書（２００２年３月分）の例である。
賃金支払明細書Ｐ１には、３月分の賃金（与信限度額）・支払済賃金・未払賃金と、２月末日時点での繰越未払賃金、３月末日時点での未払賃金合計額が、それぞれ、５０万円、２０万円、３０万円、４０万円、７０万円であることを示している。すなわち企業Ｂは、３月分の賃金５０万円のうち、３月の一月間に保証額として２０万円を支払っており、３月分の未払賃金３０万円（＝５０万円−２０万円）と２月末日時点での繰越未払賃金４０万円の合計額７０万円が、３月末日時点での与信限度額であることを示している。
なお、賃金支払明細書Ｐ１には、支払済賃金の明細、すなわち保証額の支払日と支払先についても記載してある。
また、本発明にかかる対価支払記録媒体は、紙媒体のほか、後述するＷｅｂページなどの電子情報の記録媒体も含む。
また、図１０は、賃金支払明細書の別の実施の形態を示す説明図であり、従業員Ａに対して３枚のカードが発行されている場合のものである。賃金支払明細書Ｐ１ｘには、従業員Ａの賃金と、カード別の支払明細が記載されている。図１０は、従業員Ａの賃金５０万円は、カード１，２，３にそれぞれ「当月与信限度額」として「２０万円」「２５万円」「５万円」として付与されていることを示す。また、カード別の支払明細は、「当月与信限度額」「支払済賃金」「未払賃金」「繰越未払賃金」「未払賃金合計額（与信限度額）」とからなる。図１０は、カード１について、当月与信限度額として２０万円が付与され、その中から５万円分を使用（支払済賃金）して差額１５万円（未払賃金）と前月までの繰越未払賃金１０万円との合計が２５万円（未払賃金合計額）となっていることを示す。
図５は、管理者Ｃが従業員Ａの与信限度額を管理するために用いる、本発明にかかる対価支払管理サーバ（以下、「本サーバ」という）の実施の形態を示すブロック図である。符号１は、本サーバを示し、通信ネットワーク５を介して端末２，３，４と接続する。端末２，３，４は、それぞれ企業Ｂ、加盟店Ｄ、金融機関Ｅが本サーバ１を利用するために用いる端末である。
ここで、金融機関Ｅとは、企業Ｂと加盟店Ｄとの間で従業員Ａの信用取引に係る取引額を決済する者である。すなわち、管理者Ｃが金融機関Ｅに保証額を示すと、金融機関Ｅは、企業Ｂから加盟店Ｄへの資金移動を行い、決済が完了した旨を管理者Ｃに通知する。
なお、本発明において、企業Ｂ、管理者Ｃ、金融機関Ｅは、必ずしも別の者である必要はなく、たとえば、管理者Ｃと金融機関Ｅは同一者であってもよいし、あるいは企業Ｂ、管理者Ｃ、金融機関Ｅのすべてが同一者であってもよい。
通信ネットワーク５の例としては、インターネットやＬＡＮなどのコンピュータ通信網がある。本サーバ１、端末２，３，４は、図示しない専用線、公衆交換電話網（ＰＳＴＮ）、無線電話網、ＣＡＴＶ網、衛星通信網等の通信回線を介して通信ネットワーク５と接続している。
端末２，３，４は、通信ネットワーク５を介して本サーバ１と通信することができる情報処理装置であればよく、たとえば、パーソナルコンピュータをはじめ、データ通信機能を有するＰＤＡ（ＰｅｒｓｏｎａｌＤｉｇｉｔａｌＡｓｓｉｓｔａｎｔ）や携帯電話機などがある。
本サーバ１は、端末２，３，４と通信ネットワーク５を介して通信することができる情報処理装置であればよく、たとえば、パーソナルコンピュータなどがある。
なお、本サーバ１では、本発明にかかる対価支払管理プログラム（以下、「本プログラム」という）が動作して本サーバ１内の各手段を制御することで、本発明にかかる賃金支払管理方法（以下、「本方法」という）を実現する。
ここで、本プログラムを記録した本発明にかかるコンピュータ読取可能な記録媒体（以下、「本記録媒体」という）を用いれば、図示しないコンピュータを本サーバ１と同様に機能させることができる。すなわち、図示しないコンピュータが、本記録媒体から本プログラムを読取、実行することで、本方法を実現することができる。
本サーバ１は、与信情報受付部１１、与信限度額加算部１２、与信限度額管理部１３、信用照会情報受付部１４、照会結果情報出力部１５、取引情報受付部１６、与信限度額減算部１７、決済指示情報出力部１８とを有してなる。
与信情報受付部１１とは、従業員Ａに関する与信情報を受付ける手段である。与信情報とは、管理者Ｃが、従業員Ａの与信限度額を設定するために必要な情報であり、少なくとも従業員Ａを特定する情報と従業員Ａの賃金相当額を含む。
与信限度額加算部１２とは、受付けた従業員Ａに関する与信情報に含まれる従業員Ａの賃金相当額を、すでに本サーバ１内で管理する従業員Ａの与信限度額（残高）に加算して新たな与信限度額を算出する手段である。
与信限度額管理部１３とは、従業員Ａの与信限度額を管理（記憶）する手段である。
信用照会情報受付部１４とは、従業員Ａに関する信用照会情報を受付ける手段である。信用照会情報とは、信用照会に関する情報、すなわち、管理者Ｃが、加盟店Ｄに対して、従業員Ａの信用取引に係る取引額の支払を保証するか否かを判断するために必要な情報であり、少なくとも従業員Ａを特定する情報と取引額とを含む。
照会結果情報出力部１５とは、従業員Ａの与信限度額に基づいて、受付けた信用照会情報に対する照会結果情報を出力する手段である。照会結果情報とは、照会結果に関する情報であり、少なくとも、管理者Ｃが、加盟店Ｄに対して、従業員Ａの信用取引に係る取引額の支払を保証するか否かの結果を示す情報を含む。
取引情報受付部１６とは、取引情報を受付けると共に、受付けた取引情報に基づき保証額を算出する手段である。取引情報とは、従業員Ａの信用取引に関する情報であり、少なくとも従業員Ａを特定する情報と取引額とを含み、その他に、商品に関する情報（商品名など）や、加盟店Ｄに関する情報（加盟店Ｄの名称など）、あるいは、後述する取引額を分割払いとする際の分割回数などを含むようにしてもよい。
与信限度額減算部１７とは、管理する与信限度額から算出した保証額を減額する手段である。
決済指示情報出力部１８とは、決済指示情報を出力する手段である。決済指示情報とは、保証額の決済に必要な情報であり、少なくとも加盟店Ｄへの決済方法（加盟店Ｄが金融機関に開設している口座番号など）を特定する情報と保証額とを含む。
図６は、本サーバ１による本方法の実施の形態を示すフローチャートである。
本サーバ１は、与信情報受付部１１を用いて、端末２から与信情報を受信し（Ｕ１）、与信限度額加算部１２を用いて、与信限度額管理部１３内に管理する従業員Ａの与信限度額と受信した与信情報に含まれる従業員Ａの賃金相当額を加算して、新たな与信限度額として与信限度額管理部１３に記憶する（Ｕ２）。
図７は、与信限度額管理部１３に記憶された与信限度額について説明した図である。
与信限度額管理部１３には、本カードの利用者ごと、つまり本サーバ１により賃金の支払が管理される者ごとの与信限度額が、支払明細と共に記憶してある（単に与信限度額のみを管理するようにしてもよい）。本サーバ１は、従業員Ａを特定する情報に基づいて、与信限度額管理部１３を検索することで、従業員Ａに関して記憶してある情報を抽出することができるものとする。
（ａ）は、従業員Ａが加盟店Ｄで商品を購入する前の状態であり、３月には、２回の信用取引を行っていて、与信限度額が７５万円であることを示している。
（ｂ）については後述するが、従業員Ａが加盟店Ｄで商品を購入した後の状態を示している。
従業員Ａが、加盟店Ｄで本カードを利用する際、本サーバ１は、信用照会情報受付部１４を用いて、端末３から信用照会情報を受信する（Ｕ３）。
端末３は、本カードから読取った従業員Ａを特定する情報を、従業員Ａが購入を希望する商品の代金と共に、通信ネットワーク５を介して本サーバ１に送信する。
本サーバ１は、照会結果情報出力部１５を用いて、従業員Ａの与信限度額を確認、つまり端末３から受付けた商品の代金と与信限度額とを比較し、その結果（代金の支払を保証するか否か）を示す情報を端末３に送信する（Ｕ５）。
加盟店Ｄが従業員Ａと信用取引を行うと、本サーバ１は、取引情報受付部１６を用いて、端末３から取引情報を受信して（Ｕ６）、当該取引情報に含まれる商品の代金に基づき保証額を算出する（Ｕ７）。その後、本サーバ１は、決済指示情報出力部１８を用いて、端末４に決済指示情報を送信する（Ｕ８）。
企業Ｂと加盟店Ｄとの間の保証額の決済が完了する（Ｕ１０）と、本サーバ１は、図示しない手段を用いて、端末４から決済が完了した旨の情報を受信し（Ｕ１０）、図示しない手段を用いて、決済の完了を確認した後に、与信限度額減算部１７を用いて、与信限度額から保証額を減算して新たな与信限度額を算出し、与信限度額管理部１３に記憶する（Ｕ１１）。その際、図７（ｂ）に示すように、支払の明細（日付、支払先、支払額（保証額）など）を併せて記憶する。
本サーバ１は、図示しない手段を用いて、与信限度額管理部１３に記憶された従業員Ａの信用取引に関する情報を端末２に送信してもよい。すなわち、たとえば、企業Ｂは、本サーバ１から受信した従業員Ａの信用取引に関する情報を利用して、図４に示した従業員Ａに配布する賃金支払明細書Ｐ１を作成することができる。
また、本サーバ１に、与信限度額管理部１３を参照して賃金支払明細書Ｐ１を作成し出力する手段を設けてもよい。出力する態様としては、たとえば、図示しないプリンタ装置への印字出力や、賃金支払明細書Ｐ１の電子データを電子メールで送信する、あるいは、Ｗｅｂページとして送信する、などがある。この手段を用いれば、管理者Ｃは、企従業員Ａの賃金支払明細書Ｐ１を作成する企業Ｂの負担を軽減することができる。
ここで、従業員Ａの信用取引に関する情報は、企業Ｂの経理の担当者などが、端末２から本サーバ１に接続して受信できる、あるいは従業員Ａが、図示しない端末から本サーバ１に接続して受信できるようにしてもよい。その場合、たとえば本サーバ１は、いわゆるＷｅｂサーバとして動作して、図示しない手段を用いて、与信限度額管理部１３を参照し、賃金支払明細書Ｐ１に相当するＷｅｂページを作成して、企業Ｂの担当者や従業員Ａに閲覧させることで、従業員Ａの信用取引に関する情報を送信するようにしてもよい。
なお、本サーバ１が従業員Ａの信用取引に関する情報を送信するのは、定期的（たとえば賃金支払日）としてもよいし、不定期（たとえば、企業Ｂの担当者や従業員Ａは、いつでも本サーバ１にアクセスして最新の情報を閲覧できる）としてもよい。
また、本サーバ１が企業Ｂに送信する従業員Ａの信用取引に関する情報は、少なくとも保証額を含み、その他の情報、たとえば、支払先などは企業Ｂには通知せず、従業員Ａにのみ通知して、従業員Ａのみが信用取引の履歴を確認できるようにしてもよい。
ここで、以上説明した実施の形態では、２００２年３月分の月給５０万円と、２００２年３月の一月間の信用取引に係る取引額に対する保証額の合計２０万円が相殺され、２００２年３月分の賃金の支払日である３月３１日には、その差額である３０万円（＝５０万円−２０万円）の与信限度額が付与される場合を例として説明したが、本発明においては、与信限度額と、当該与信限度額と相殺する保証額との関係はこれに限定するものではない。すなわち、たとえば、３月３１日に付与される与信限度額は、２００２年３月分の月給と、２００２年２月の一月間の保証額の合計との差額としてもよい。
また、本発明において、従業員Ａ、企業Ｂ、加盟店Ｄ、金融機関Ｅが、管理者Ｃと情報交換をする際に、必ずしも通信ネットワーク５を介して行う必要はない。すなわち、たとえば、本サーバ１に入力される従業員Ａの賃金相当額は、企業Ｂの端末２から本サーバ１に送信するのに代えて、賃金相当額を記載した書面などを企業Ｂから管理者Ｃに郵送するなどして、管理者Ｃが賃金相当額を本サーバ１に入力するようにしてもよい。
さらに、以上説明した実施の形態は、取引先として、商品を販売する加盟店Ｄを例として説明したが、本発明における取引先は、商品を販売する者に限定するものではなく、たとえば金融機関などであってもよい。つまり、従業員Ａは、本カードを利用して金融機関の現金自動払出機から現金を引出し、企業Ｂが、管理者Ｃを通じて当該金融機関に従業員Ａが引出した現金相当額を支払うようにすることもできる。
さらにまた、以上説明した実施の形態は、管理者Ｃが発行する本カードを利用して従業員Ａが信用取引を行うものであったが、本発明において、本カードは必ずしも必要ではない。つまり、従業員Ａと信用取引をする取引先が、従業員Ａを特定する情報を確認できればよい。すなわち、たとえば、従業員Ａが取引先に口頭で従業員番号を伝えてもよいし、あるいは、いわゆるネットショッピングなどにおいて、従業員Ａが自宅のコンピュータから従業員番号を入力し、取引先のコンピュータに送信するようにしてもよい。
以上説明した実施の形態によれば、賃金相当額を与信限度額として従業員Ａに付与するため、企業Ｂは、賃金相当額を限度として、従業員Ａが必要とする時に必要な額を支払うことができる。その結果企業Ｂは、賃金の支払日に賃金の全額を準備する必要がなくなるため、賃金の支払の負担から企業Ｂを解放することができる。
一方従業員Ａは、手元に置いておく必要のない賃金を企業Ｂに貸し付けることができるため、たとえば、企業Ｂが、未払賃金に対して金利を支払うようにすれば、従業員Ａは企業Ｂから賃金相当額とは別に金利を受け取ることができる。なお、当該金利は、本サーバ１が図示しない手段を用いて、取引情報などに基づいて算出し、従業員Ａの与信限度額に加算するなどしてもよい。
ここで、企業Ｂが従業員Ａに支払う未払賃金に対する金利の利率は、企業Ｂが予め決定しておいて管理者Ｃに通知しておいてもよいし、あるいは、管理者Ｃ自身または外部の調査機関による信用調査結果に基づき、管理者Ｃが決定するようにしてもよい。また、この利率は、従業員ごとに変えてもよいし、あるいは、未払賃金の金額や、未払期間に応じて変動するものであってもよい。
また、以上説明した実施の形態は、図３に示したように、取引額を一括して支払う場合を例として説明したが、本発明においては、取引額を分割して支払う、いわゆる分割払いを採用してもよい。つまり、本サーバが受信した取引情報に基づき算出する保証額には、当該取引情報に含まれる「取引額」と「分割回数」に基づき算出される保証額も含まれる。
図１１乃至１３は、図３に示した従業員Ａが加盟店Ｄから５万円の商品を購入する場合の分割払い（月賦払い）の実施の形態を示す説明図である。
図１１は、従業員Ａが加盟店Ｄに５回の分割払いを申し出た、つまり、加盟店Ｄが従業員Ａに支払い猶予を与えた場合である。すなわち、加盟店Ｄから「代金５万円を５回の分割払いとする」旨の通知を受けた管理者Ｃは、毎月、企業Ｂに１万円を請求して受取り、加盟店Ｄに支払う。この場合、加盟店Ｄは、支払猶予を与えることで、企業Ｂから金利相当額を受け取り、企業Ｂは、加盟店Ｄに支払う金利相当額を従業員Ａの与信限度額から減額するようにしてもよい。
図１２は、管理者Ｃが企業Ｂに支払い猶予を与えた場合である。すなわち、加盟店Ｄから代金５万円の通知を受けた管理者Ｃは、加盟店Ｄに５万円を支払う一方で、毎月、企業Ｂに１万円を請求して受け取る。この場合、管理者Ｃは、支払猶予を与えることで、企業Ｂから金利相当額を受け取るようにしてもよい。なお、この金利相当額は、たとえば、企業Ｂが拠出するようにしてもよい。
図１３は、加盟店Ｄが企業Ｂに支払い猶予を与えた場合である。すなわち、加盟店Ｄは、従業員Ａとの取引額５万円を５回に分割して管理者Ｃに請求し、管理者Ｃは、毎月、企業Ｂに１万円を請求して受け取り、加盟店Ｄに支払う。この場合、加盟店Ｄは、企業Ｂに支払猶予を与えることで、企業Ｂから金利相当額を受け取るようにしてもよい。なお、この金利相当額は、図１１に示した従業員Ａの申し出により分割払いとした場合と同様に、従業員Ａの与信限度額から控除するようにしてもよいし、あるいは、従業員Ａの与信限度額とは無関係に企業Ｂが拠出するようにしてもよい。
なお、以上説明した実施の形態は、賃金を対価の例とする場合であったが、仕入れた商品の代金を対価とすれば、支払義務者であるところの商品の購入者は、買掛金相当額を与信限度額として当該商品の提供者に付与することで、当該商品の提供者が信用取引を行う際に買掛金を返済すればよいため、対価の支払の負担から解放されることとなる。
ここで、与信限度額の振替、つまり、与信限度額の転々流通に関して、商品の代金を対価の例とした図１４乃至１９を参照しながら説明する。
図１４（ａ）は、企業Ｋから代金３０万円の商品を購入した企業Ｊが、商品の代金を与信限度額として企業Ｋに付与したことを示している。つまり、企業Ｋは、企業Ｊに対して商品を販売する際に、本サーバ１に企業Ｊの信用照会をして商品を販売したのである。図１７は、当該取引を示すフローチャートである。本サーバ１には、予め企業Ｊ，Ｋの与信限度額が設定（記録）されている（Ｙ１）。ここで、企業Ｊの与信限度額は３０万円以上あるものとし、また企業Ｋの与信限度額は０円とする。
企業Ｊは、前述のように、企業Ｋから商品を購入する際に本カードを利用し（Ｙ２）、企業Ｋは、図示しない端末から本サーバ１に接続して信用照会をする（Ｙ３）。本サーバ１は、企業Ｊの与信限度額を確認し（Ｙ４）、結果を企業Ｋに通知する（Ｙ５）。企業Ｋが企業Ｊに商品を提供し（Ｙ６）、本サーバ１に商品の代金相当額を通知すると（Ｙ７）、本サーバ１は、企業Ｊ，Ｋの与信限度額を更新、つまり、設定された企業Ｊの与信限度額から３０万円を減額すると共に、企業Ｋの与信限度額を３０万円増額する（Ｙ８）。
（ｂ）は、当該取引に関する取引情報を受付けた本サーバ１が、与信限度額管理部１３で管理する情報を示した図である。ここでは、支払義務者、受取権利者、取引額（付与された与信限度額）が、それぞれ、企業Ｊ、企業Ｋ、３０万円であることを示す。「振替」欄については後述する。
（ｃ）は、当該取引完了時に、本サーバ１が図示しない手段を用いて、与信限度額管理部１３を参照して作成し、企業Ｋに送信した与信限度額閲覧画面の例を示す説明図である。当該画面は、企業Ｋに付与されている与信限度額が３０万円で、その支払義務者が企業Ｊであることを示している。「利率」「ランク」欄については後述する。
本サーバ１は、当該手段を用いて、企業Ｋの端末から照会依頼を受付け（図１７のＹ９）、与信限度額管理部１３を検索して企業Ｋに付与されている与信限度額を検索し（Ｙ１０）、図１４（ｃ）に示す与信限度額閲覧画面を作成して企業Ｋの端末に送信する（Ｙ１１）。
このように企業Ｋは、図示しない端末から本サーバ１に接続して、自身に付与されている与信限度額を照会・確認することができる。
図１５（ａ）は、図１４（ａ）に示した取引の後に企業Ｌから代金４０万円の商品を購入した企業Ｋが、商品の代金を与信限度額として企業Ｌに付与したことを示している。
（ｂ１）は、当該取引に関する取引情報を受付けた本サーバ１が、与信限度額管理部１３で管理する情報を示した図である。ここでは、図１４に示した取引に関する情報に加えて、支払義務者、受取権利者、取引額（付与された与信限度額）が、それぞれ、企業Ｋ、企業Ｌ、４０万円であることを示す。
（ｂ２）は、企業Ｋが、企業Ｊから付与された与信限度額３０万円を企業Ｌに付与する与信限度額４０万円の一部に振替えた際の与信限度額管理部１３で管理する情報を説明した図である。（ｂ２）に示すように、企業Ｋが与信限度額の振替を行うことで、企業Ｊから企業Ｋに付与された与信限度額３０万円は、企業Ｊから企業Ｌに付与されたこととなり、企業Ｋは差額の１０万円の与信限度額を企業Ｌに付与したこととなる。
（ｂ２）に示す「振替」欄の「済」とは、企業Ｋによる当該与信限度額の振替の結果、当該取引に関する支払義務者と受取権利者との間の与信限度額の債権・債務が消滅、より具体的には、たとえば、（ｂ２）の１行目に示す企業Ｊの企業Ｋに対する債務（与信限度額）３０万円は消滅し、その代わりに３行目に示す企業Ｊの企業Ｌに対する債務３０万円が発生している。すなわち、企業Ｊは、企業Ｋから購入した商品の代金相当額３０万円を企業Ｋではなく、企業Ｋが指定した企業Ｌに支払うことになる。なお、（ｂ２）の４行目は、当該振替による残高１０万円（＝４０万円−３０万円）の与信限度額に関する情報を示す。
（ｃ）は、当該取引・および振替完了時に、本サーバ１が図示しない手段を用いて、与信限度額管理部１３を参照して作成し、企業Ｌに送信した与信限度額閲覧画面の例を示す説明図である。当該画面は、企業Ｌに付与されている与信限度額が４０万円で、その支払義務者が企業Ｊと企業Ｋであり、それぞれから付与された与信限度額が３０万円と１０万円であることを示している。
図１６（ａ）は、図１４（ａ），図１５（ａ）に示した取引の後に企業Ｍから代金６０万円の商品を購入した企業Ｌが、商品の代金を与信限度額として企業Ｍに付与したことを示している。
（ｂ１）は、当該取引に関する取引情報を受付けた本サーバ１が、与信限度額管理部１３で管理する情報を示した図である。ここでは、図１４，１５に示した取引・振替に関する情報に加えて、支払義務者、受取権利者、取引額（付与された与信限度額）が、それぞれ、企業Ｌ、企業Ｍ、６０万円であることを示す。
（ｂ２）は、企業Ｌが、企業Ｊから付与された与信限度額３０万円と、企業Ｋから付与された与信限度額１０万円とを、企業Ｍに付与する与信限度額６０万円の一部に振替えた際の与信限度額管理部１３で管理する情報を説明した図である。振替の結果、企業Ｍに対して企業Ｊ，Ｋ，Ｌは、それぞれ、３０万円、１０万円、２０万円の与信限度額を付与したことになる。
（ｃ）は、当該取引・および振替完了時に、本サーバ１が図示しない手段を用いて、与信限度額管理部１３を参照して作成し、企業Ｍに送信した与信限度額閲覧画面の例を示す説明図である。当該画面は、企業Ｍに付与されている与信限度額が６０万円で、その支払義務者が企業Ｊ，Ｋ，Ｌであり、それぞれから付与された与信限度額が３０万円，１０万円，２０万円であることを示している。
ここで、図１４，１５，１６の（ｃ）に示した与信限度額閲覧画面の「利率」「ランク」欄について説明する。
図１６（ｃ）の例によれば、企業Ｍは、当該画面を閲覧することで、自身に６０万円の与信限度額が付与されていること、およびその内訳、つまり支払義務者と与信限度額とを確認することができる。この場合において、その後、企業Ｍが第三者（企業Ｊ，Ｋ，Ｌを含む）から商品を購入してその代金相当額の与信限度額を当該第三者に付与する場合、自身に付与されている与信限度額６０万円の一部または全部を振替えることができるのは前述の通りである。「利率」「ランク」は、企業Ｍが、自身に付与された与信限度額６０万円のうち、どの支払義務者から付与された与信限度額を振替えるべきかを判断する指標の例である。先に説明したように、「利率」は、予め支払義務者が設定している与信限度額に対する金利であり、「ランク」は、支払義務者のいわゆる格付けである。
図１４乃至１６に示した例では、企業Ｍが直接に取引をしたのは、企業Ｌのみであって、企業Ｊ，Ｋとの取引はない。つまり、企業Ｍは、取引の無い支払義務者から与信限度額を付与されていることになる。そこで、図１６（ｃ）に示す画面を閲覧することで、企業Ｍは、たとえば、金利の低い、あるいはランクの低い企業の与信限度額から優先的に振替えるといった、いわばリスク管理をすることができる。
図１８は、図１５（ａ）の取引に関する与信限度額の振替について示したフローチャートである。
企業Ｋは、前述の通り、企業Ｌから商品を購入し、その代金相当額４０万円を与信限度額として企業Ｌに付与する（Ｚ６〜Ｚ８）。その後、企業Ｋは、図示しない端末から本サーバ１に接続して与信限度額を照会し、図１９（ａ）に示す与信限度額閲覧画面を参照しながら、与信限度額の振替を本サーバ１に指示する（Ｚ９〜Ｚ１２）。図１９（ａ）は、企業Ｋが企業Ｊから付与されている与信限度額（いわゆる売掛金に相当する）が３０万円あり、企業Ｋが企業Ｌに付与している与信限度額（いわゆる買掛金に相当する）が４０万円あることを示し、また、買掛金に相当する与信限度額３０万円の全額を売掛金に相当する与信限度額に振替えることを指示していることを示す。本サーバ１は、図示しない手段を用いて、振替指示を受付け、指示に基づき与信限度額の振替、つまり、与信限度額管理部１３に記録された情報を図１５の（ｂ１）から（ｂ２）に更新し、図１９（ｂ）に示す画面を作成して企業Ｋの端末に送信する。図１９（ｂ）は、企業Ｋに付与された与信限度額は無く（０円）、企業Ｌに付与している与信限度額が１０万円であることを示す。
なお、図１９に示した画面上で、振替指示と共に、振替金額を指定できるようにしてもよい。
また、本サーバに対する振替指示は、取引後に限定するものではなく、たとえば、「金利の低い与信限度額から優先的に振替える」といった指示を予め本サーバに登録する手段を本サーバに設けるようにしてもよい。この手段を用いることで本サーバは、商品代金の通知を受けて与信限度額を更新する際に、併せて登録されている振替指示を検索し、登録されていれば、当該指示に基づき、与信限度額の振替を行うことができる。
これまで説明した実施の形態は、支払義務者が受取権利者に付与する与信限度額は、受取権利者が支払義務者から受け取るべき対価相当額（たとえば、企業Ｂが従業員Ａに付与する与信限度額は、従業員Ａの賃金相当額）であったが、本発明はこれに限定するものではなく、受取権利者に付与する与信限度額を対価相当額とするのに代えて、対価相当額を含む、対価相当額以上の与信限度額を付与して対価を支払うようにしてもよい。このようにすれば、受取権利者に対して、対価相当額以上の信用取引を行わせることができる。賃金を例とすれば、従業員Ａに付与する与信限度額を賃金相当額とするのに代えて、賃金相当額を含む、つまり賃金相当額以上の与信限度額を付与して賃金を支払うことで、従業員Ａに対して、賃金相当額以上の信用取引を行わせることができる。
つまり、図１〜図７を用いて説明した実施の形態は、
（ケース１）企業Ｂが、従業員Ａに賃金相当額の与信額を付与する、
ものであったが、
（ケース２）企業Ｂが、従業員Ａを審査して従業員Ａに与信額を付与する、
（ケース３）管理者Ｃが、企業Ｂを審査して企業Ｂに与信額を付与し、企業Ｂは、管理者Ｃから付与された与信額（の一部）を従業員Ａに付与する、
（ケース４）管理者Ｃが、従業員Ａを審査して従業員Ａに与信額を付与する、
など、従業員Ａの賃金相当額とは別の、他の与信額を付与するようにしてもよい。
すなわち、ケース２の場合、企業Ｂは、月給５０万円の従業員Ａに対して、たとえば８０万円の与信限度額を付与する。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、企業Ｂから従業員Ａへの貸付金となる。つまり企業Ｂは、保証額が５０万円を超える信用取引であっても、保証額８０万円までの支払を管理者Ｃに保証することになる。ただし、賃金相当額５０万円を超える保証額については、従業員Ａは返済する必要がある。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円（差額３０万円のうち、実際に従業員Ａが利用した額、つまり企業Ｂが管理者Ｃに支払った保証額のこと。以下、同じ）は、管理者Ｃから企業Ｂへの貸付金とする共に企業Ｂから従業員Ａへの貸付金としてもよいし、あるいは、管理者Ｃから従業員Ａへの貸付金としてもよい。
また、ケース３の場合、管理者Ｃは、企業Ｂに対して１００万円の与信額を付与し、企業Ｂは、月給５０万円の従業員Ａに対して、管理者Ｃから付与された１００万円のうち３０万円を賃金相当額５０万円に加算して、８０万円の与信限度額を付与する。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、管理者Ｃから企業Ｂへの貸付金とする共に企業Ｂから従業員Ａへの貸付金としてもよいし、あるいは、管理者Ｃから従業員Ａへの貸付金としてもよい。
あるいは、ケース４の場合、企業Ｂは、月給５０万円の従業員Ａに対して、５０万円の与信限度額を付与し、管理者Ｃが、独自に（たとえば従業員Ａの信用取引の明細を審査するなどして）従業員Ａに対して３０万円の与信限度額を付与して、合計８０万円を従業員Ａの与信限度額とする。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、管理者Ｃから従業員Ａへの貸付金となる。つまり、企業Ｂは、賃金相当額５０万円までの保証額の支払を管理者Ｃに保証する一方で、管理者Ｃが、保証額が５０万円を超える信用取引であっても、３０万円までの支払を加盟店に対して保証することになる。
また、以上説明した実施の形態では、企業Ｂが従業員Ａに付与する与信限度額は、従業員Ａの賃金相当額のみ、つまり与信のみ（無担保）であったが、本発明はこれに限定するものではなく、賃金相当額とは別に、担保に応じた与信額を従業員Ａに付与して、賃金相当額を含む与信限度額を付与して賃金を支払うようにしてもよい。このようにすれば、賃金相当額とは別に与信が受けられない場合であっても、賃金相当額以上の与信限度額を従業員Ａに付与することができる。
つまり、図１〜図７を用いて説明した実施の形態は、
（ケース１）賃金相当額の与信額を付与する（つまり無担保）、
ものであったが、
（ケース５）従業員Ａが企業Ｂに差し出す担保に応じて、企業Ｂが、従業員Ａに与信額を付与する、
（ケース６）従業員Ａが管理者Ｃに差し出す担保に応じて、管理者Ｃが、従業員Ａに与信額を付与する、
（ケース７）従業員Ａが管理者Ｃに差し出す担保に応じて、管理者Ｃが、企業Ｂに与信額を付与し、企業Ｂは、管理者Ｃから付与された与信額（の一部）を従業員Ａに付与する、
（ケース８）企業Ｂが管理者Ｃに差し出す担保に応じて、管理者Ｃが、企業Ｂに与信額を付与し、企業Ｂは、管理者Ｃから付与された与信額（の一部）を従業員Ａに付与する、
など、賃金相当額とは別の、他の与信額を付与するようにしてもよい。
すなわち、ケース５の場合、企業Ｂは、月給５０万円の従業員Ａに対して、従業員Ａが保有する土地を担保に３０万円の与信額を従業員Ａに付与し、合計８０万円を従業員Ａの与信限度額とする。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、企業Ｂから従業員Ａへの貸付金となる。つまり企業Ｂは、保証額が５０万円を超える信用取引であっても、保証額８０万円までの支払を管理者Ｃに保証することになる。ただし、賃金相当額５０万円を超える保証額については、従業員Ａは返済する必要がある。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、管理者Ｃから企業Ｂへの貸付金とする共に企業Ｂから従業員Ａへの貸付金としてもよいし、あるいは、管理者Ｃから従業員Ａへの貸付金としてもよい。
また、ケース６の場合、企業Ｂは、月給５０万円の従業員Ａに対して、５０万円の与信額を付与し、管理者Ｃは、従業員Ａが保有する土地を担保に３０万円の与信額を従業員Ａに付与して、合計８０万円を従業員Ａの与信限度額とする。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、管理者Ｃから企業Ｂへの貸付金とする共に企業Ｂから従業員Ａへの貸付金としてもよいし、あるいは、管理者Ｃから従業員Ａへの貸付金としてもよい。
また、ケース７の場合、管理者Ｃは、従業員Ａが保有する土地を担保に１００万円の与信額を企業Ｂに付与し、企業Ｂは、月給５０万円の従業員Ａに対して、管理者Ｃから付与された１００万円のうち３０万円を賃金相当額５０万円に加算して、８０万円の与信限度額を付与する。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、管理者Ｃから企業Ｂへの貸付金とする共に企業Ｂから従業員Ａへの貸付金としてもよいし、あるいは、管理者Ｃから従業員Ａへの貸付金としてもよい。
また、ケース８の場合、管理者Ｃは、企業Ｂが保有する土地を担保に１００万円の与信額を企業Ｂに付与し、企業Ｂは、月給５０万円の従業員Ａに対して、管理者Ｃから付与された１００万円のうち３０万円を賃金相当額５０万円に加算して、８０万円の与信限度額を付与する。この場合、与信限度額８０万円と賃金相当額５０万円の差額３０万円は、管理者Ｃから企業Ｂへの貸付金とする共に企業Ｂから従業員Ａへの貸付金としてもよいし、あるいは、管理者Ｃから従業員Ａへの貸付金としてもよい。
なお、本発明において、賃金相当額とは別に従業員Ａに付与する与信は、上記ケース２〜８の場合に限定するものではなく、別の場合であってもよい。
また、ケース１〜８を組み合わせてもよい。すなわち、たとえば、企業Ｂが従業員Ａに無担保で賃金相当額とは別に与信額を付与すると共に、管理者Ｃが、従業員Ａが保有する担保に応じた与信額を付与するようにしてもよい。
また、従業員Ａの信用取引に係る取引額に対する保証額が、賃金相当額を超えた貸付金に対して、企業Ｂや管理者Ｃは、金利を取るようにしてもよい。すなわち、たとえば、ケース２の場合、企業Ｂが６０万円の保証額の支払を保証した場合（支払った場合）、賃金相当額５０万円との差額１０万円に対して、貸付期間などに応じた金利を、翌月の与信限度額から控除するようにするとよい。その場合、管理者Ｃが本サーバで管理する従業員Ａの信用取引の明細に基づき、金利を算出し、翌月の賃金相当額を受付けた際に、金利を控除するなどとしてもよい。あるいは、金利は、従業員Ａから管理者Ｃに返済する、あるいは従業員Ａから企業Ｂに返済するようにしてもよい。
産業上の利用の可能性
本発明によれば、対価相当額を与信限度額として受取権利者に付与するため、支払義務者は、対価相当額を限度として、受取権利者が必要とする時に必要な額を支払うことができる。その結果、支払義務者は対価の支払日に対価の全額を準備する必要がなくなるため、対価の支払の負担から支払義務者を解放することができる。
また本発明によれば、対価相当額とは別の与信を受取権利者に付与することができるため、受取権利者は、対価相当額以上の信用取引を行うこともできる。すなわち、支払義務者は受取権利者に対して、対価相当額以上の与信を与えることができる。
【図面の簡単な説明】
第１図は、本発明にかかる対価支払管理方法で管理する与信限度額について説明したフローチャートである。
第２図は、上記与信限度額を付与して支払う対価（賃金）について説明したフローチャートである。
第３図は、信用取引に係る取引額と支払義務者が支払う保証額の関係を示す図である。
第４図は、雇用者から被雇用者に配布される賃金支払明細書の例を示す図である。
第５図は、本発明にかかる対価支払管理サーバの実施の形態を示すブロック図である。
第６図は、本発明にかかる対価支払管理方法の実施の形態を示すフローチャートである。
第７図は、上記サーバ内で管理する与信限度額について説明した図である。
第８図は、従来のクレジットカード決済の方法について説明したフローチャートである。
第９図は、従来のデビットカード決済の方法について説明したフローチャートである。
第１０図は、雇用者から被雇用者に配布される賃金支払明細書の別の例を示す図である。
第１１図は、信用取引に係る取引額を分割して与信限度額で支払う例を示す図である。
第１２図は、信用取引に係る取引額を分割して与信限度額で支払う別の例を示す図である。
第１３図は、信用取引に係る取引額を分割して与信限度額で支払うさらに別の例を示す図である。
第１４図は、信用取引後の与信限度額の振替について説明した図である。
第１５図は、信用取引後の与信限度額の振替について説明した別の図である。
第１６図は、信用取引後の与信限度額の振替について説明したさらに別の図である。
第１７図は、与信限度額の照会の例を示すフローチャートである。
第１８図は、与信限度額の振替の例を示すフローチャートである。
第１９図は、与信限度額の閲覧画面の例を示す図である。TECHNICAL FIELD The present invention relates to management of payment of consideration for goods, services, labor, and the like. In particular, a person who pays consideration pays a right equivalent to the recipient as a credit limit. .
Background Art For example, wages of employees (right holders) who work for companies are paid on a predetermined payment date (for example, salary date) by cash or transferred to an employee's account. In other words, a company manager (payment obligation) needs to prepare an amount equivalent to wages by a predetermined date.
In the past, by associating wages paid to employees by the company's managers with the credit lines set by the company, the company managers can pay for the products purchased by the employees in the credit line. A settlement method has been proposed in which the advance payment is made in place of the employee within the scope, and the employee's wage is applied to the advance payment (for example, Japanese Patent Application Laid-Open No. 2002-074213) reference).
However, employees do not use up all of their paid wages at one time and use part of the wages as needed, so some of the unused wages remain with the employees, or It is left as a deposit in the employee's account.
In other words, the manager of the company pays on the predetermined payment date, including the amount that the wage is not used, that is, the amount that the employee does not need for the time being. If the ratio of wages to corporate profits is large for corporate managers, wage payments will be a burden, but if employees can retain an amount that they do not need for the time being, the management of the company Will be freed from the burden of paying wages.
Similarly, for example, in business transactions between companies, it is not necessary for the company purchasing the product (payment obligation) to prepare an amount equivalent to the price by the predetermined payment date. If the unnecessary amount can be reserved inside the purchasing company, the purchasing company is freed from the burden of payment.
The present invention has been made in view of the above-described conventional situation, and a consideration payment management method and server, a consideration payment management program, and a computer-readable computer that can release a payment obligation from a burden of consideration payment. And a consideration payment management medium and a consideration payment recording medium.
DISCLOSURE OF THE INVENTION The present invention is a method for managing payment of consideration paid by a payer who grants a credit limit equivalent to the consideration to the right holder, and the consideration equivalent of the right holder is input to the server A step in which the server manages the input equivalent amount as a credit limit of the right holder, and a server receives transaction information including a transaction amount related to the credit transaction of the right holder, The server calculates a guarantee amount to be paid by the payment obligation based on the received transaction information, and the server subtracts the guarantee amount calculated from the credit limit managed by the server and manages it as a new credit limit amount. , And. A method for managing the payment of the consideration paid by the payer granting the right holder a credit limit equivalent to the consideration, wherein the consideration equivalent of the right holder is input to the server; , A step of managing the input equivalent amount as a credit limit of the right holder, a step of receiving a transaction information including a transaction amount related to a credit transaction of the right holder, and a transaction information received by the server And a step of calculating a guarantee amount to be paid by the payment obligor, and a step of reducing the guarantee amount calculated from the credit limit amount managed by the server and managing it as a new credit limit amount.
As a result, the payer can pay the amount required when the right holder receives it, up to the amount equivalent to the consideration. As a result, the payer does not need to prepare the full amount of consideration on the payment date of the consideration, so that the payer can be released from the burden of paying the consideration.
In addition, the present invention is a method for managing payment of consideration paid by a payment obligor by granting a credit limit including a consideration equivalent amount to the right holder, and the consideration equivalent amount and other credit amount of the right holder Are entered into the server, the server manages the total of the entered consideration equivalent amount and other credit amounts as the credit limit of the right holder, and the server performs the credit transaction of the right holder. A step of accepting transaction information including the transaction amount, a step of calculating a guarantee amount to be paid by the payer based on the accepted transaction information, and a guarantee amount calculated from a credit limit managed by the server. And reducing and managing as a new credit limit.
As a result, the right holder can also perform a margin transaction that is more than the amount equivalent to the consideration. That is, the payment obligor can give a credit equal to or greater than the consideration to the right holder.
BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, a consideration payment management method and server, a consideration payment management program, a computer-readable recording medium, a consideration payment management medium, and a consideration payment recording medium according to the present invention with reference to the drawings. Embodiments will be described.
In the present invention, the consideration paid from the payment obligation to the right holder is paid by the payment obligation by assigning the credit limit equivalent to the consideration to the right holder. In other words, the payer guarantees the other party (hereinafter referred to as “business partner”) who conducts a margin transaction with the right holder to pay the guaranteed amount for the transaction amount related to the margin transaction up to the amount equivalent to the consideration. (The relationship between the transaction amount and the guarantee amount will be described later).
In other words, the payee of the consideration paid by the payer is not the right holder, but is the counterparty with whom the right holder has engaged in a margin transaction, and the consideration is the transaction related to the margin transaction between the right holder and the counterparty. It is paid as a guarantee for the amount.
In the present invention, “to manage payment of consideration” means to manage payment of consideration in which the amount equivalent to consideration is granted as a credit limit. Is to manage the credit limit granted to the person. The “equivalent amount of the right holder” is an amount corresponding to the consideration that the payer should pay to the right holder (the consideration that the right holder should receive from the payer).
Hereinafter, a case where wage is used as a consideration will be described as an example. That is, the payer is the employer and the right holder is the employee.
FIG. 1 is a diagram for explaining the credit limit granted to an employee by an employer.
The credit limit of the employee is “0” before the credit limit is given to the employee in the past, that is, before the payment date of the first wage (S1).
When the wage payment date is reached, a credit limit equivalent to the wage is granted, but if there is a balance in the credit limit granted in the past, the credit limit equivalent to the wage is added to the balance and a new credit is added. The maximum amount is set (S2, S3).
On the other hand, when the employee performs a credit transaction with the customer, the guaranteed amount for the transaction amount related to the credit transaction is reduced from the credit limit amount, and the balance is set as a new credit limit amount (S4, S5, S6).
Hereinafter, when employee A (monthly salary of 500,000 yen) purchases a product (a price of 50,000 yen) at member store D through a margin transaction, company B, where employee A works, replaces employee A. An example of paying for the product will be described. In other words, the employee, employer, and business partner are employee A, company B, and member store D, respectively, the wage equivalent of the employee is 500,000 yen, and the credit transaction between employee A and member store D. This is an example in which the transaction amount related to is 50,000 yen.
Here, it is assumed that the payment of the wage of the company B is the last day payment of the last day of each month. That is, the wage “500,000” yen for employee A in March 2002 is granted as a credit limit “500,000 yen” on March 31.
However, at this time, wage of employee A has not been expended from company B, so company B will record “unpaid wage 500,000 yen” for financial management, B is reserved inside.
In the embodiment described below, the monthly wage is an example of wages, but the present invention is not limited to this and may be a daily wage. Further, the wage is not limited to the wage paid to the employee by the company, but may be a daily allowance paid to a part-time student or the like, for example.
FIG. 2 is a flowchart illustrating wages paid with a credit limit.
Here, the manager C is a person who manages payment of wages to the employee A at the request from the company B. However, in the present invention, the company B and the administrator C may be the same person.
On the wage payment date, the company B notifies the manager C of the wage equivalent amount “500,000 yen” together with information for identifying the employee A (in this embodiment, the employee number) (T1).
However, in the present invention, the timing of notifying the manager C of the wage equivalent amount is not limited to this. That is, for example, if the wage of the employee A is a fixed amount, the company B may notify the manager C of the amount equivalent to the wage only when the amount of wage changes, such as at the time of salary increase.
The manager C sets the wage equivalent amount of the employee A as the credit limit amount (T2). At that time, the administrator C may perform a pre-examination for granting credit to the company B. That is, as will be described later, the payment ability of the company B for the transaction amount relating to the margin transaction between the employee A and the business partner is confirmed.
Here, the manager C issues a card (hereinafter referred to as “this card”), which is a consideration payment management medium according to the present invention, to the employee A (lending, etc.). Information for identifying employee A (employee number 1) is recorded on this card.
As an example of this card, for example, in addition to a magnetic card or an IC card (regardless of contact type or non-contact type), a paper medium on which information for identifying employee A is described may be used. Good.
Further, the wage payment management medium according to the present invention is not limited to a card, and any medium may be used as long as information specifying employee A is recorded.
Furthermore, the number of the cards issued by the manager C to the employee A, that is, that the employee A uses to receive payment of wages is not limited to one. For example, a plurality of books can be issued. The spouse or child of employee A may be made available.
Here, in addition to the information for identifying employee A, the information for identifying each card is recorded on a plurality of cards issued to employee A, and the credit limit for each card (credit of employee A) is recorded. A part of the limit amount) may be granted, and the employee A or the manager C may be able to grasp the usage status of each card. In that case, the employee A may decide to notify the manager C of the number of cards issued, the credit limit set for each card, etc. (the manager C may decide in advance). In this way, the employee A can distribute this card to his family, make a credit transaction up to the credit limit of each card, and can grasp the usage status of each card.
This card is issued, for example, when the administrator C first receives the wage equivalent of the employee A from the company B or when the employee C requests the administrator C.
Furthermore, the information identifying the employee A recorded on the card is not limited to the information (employee number) determined by the company B, but may be information uniquely determined by the manager C, or Information determined by employee A himself / herself may be used.
Furthermore, instead of the card issued by the administrator C, for example, a card (employee card, etc.) issued by the company B to the employee A may be used. Information (employee number) identifying employee A recorded on the card may be notified to C.
Employee A uses this card when purchasing merchandise at member store D (T3).
In other words, the member store D notifies the manager C of the employee's number recorded on the card with the price of the product “50,000 yen”, and the manager C guarantees the payment of the price of the product. A credit inquiry is performed to confirm whether or not it is received (T4).
Manager C confirms the credit limit of employee A (T5), and whether or not the transaction amount is less than or equal to the credit limit, that is, whether or not company B guarantees the payment of the guarantee amount for the price of the product Is notified to the member store D (T6).
The member store D confirms that the administrator C guarantees the payment of the price of the product, provides the product to the employee A (T7), and notifies the manager C of the price of the product (T8). .
Here, the processing of (T3) to (T8) in FIG. 2 described above is similar to so-called credit card settlement which has been conventionally performed.
FIG. 8 is a flowchart illustrating a conventional credit card settlement method. In other words, the card user AX uses a credit card issued by the card company CX to conduct a credit transaction with the member store DX that has concluded a so-called member store contract with the card company CX (V1 to V7), and the member store. DX charges the card company CX for the price of the product (V8) and receives the price from the card company CX (V9). At that time, the card company CX may pay a balance obtained by subtracting the membership fee from the price of the product. The card company CX charges the card member AX for the price of the merchandise (V10) and collects it (V11).
However, as will be described later, the present invention differs between a person who uses this card, that is, a person who purchases a product through a margin transaction (employee A) and a person who pays the transaction amount (company B). The amount differs from conventional whalelet card payments in that it is paid as (part of) the wage of a person who purchases a product through a margin transaction.
Similarly, the present invention is different from so-called debit card settlement in which a person who purchases a product is the same as a person who pays for the product.
FIG. 9 is a flowchart illustrating a conventional debit card settlement method. That is, the card user AY deposits cash in the account of the card user AY previously opened in the financial institution CY (W1, W2). The card user AY makes a credit transaction with the member store DY using a cash card issued by the financial institution CY (W3 to W7). At that time, the financial institution CY receives the request from the member store DY, transfers the transaction amount from the account of the card user AY to the account for settlement, and then transfers to the member store DY in response to a request from the member store DY. Pay (W8, W9).
Returning to FIG.
The manager C calculates the guarantee amount that the company B should pay based on the price of the product notified from the member store D (T9).
Here, the relationship between the price of the product, that is, the transaction amount relating to the margin transaction between the employee A and the member store D, and the guarantee amount paid by the company B for the margin transaction will be described.
FIG. 3 is a diagram illustrating an example of the relationship between the transaction amount and the guaranteed amount. (A) and (b) are examples in the case where the transaction amount and the guarantee amount match, and (c) is an example in the case where the transaction amount and the guarantee amount do not match. (A) is an example in the case where the fee is not paid to the administrator C, and (b) and (c) are examples in the case where the fee is paid to the administrator C.
In addition, the relationship between the transaction amount and the guaranteed amount in the present invention is not limited to this, and may be another relationship. In any case, in the present invention, the company B pays the guaranteed amount as (a part of) the wage of the employee A.
Here, this embodiment assumes the case of (a). In other words, it is assumed that the transaction amount and the guarantee amount coincide with each other, and no fee is paid to the administrator C.
The company B pays a guarantee amount calculated based on the price of the product to the manager C (T10), and the manager C pays the price of the product to the member store D (T11).
At this time, out of wage “500,000 yen” of employee A, company B has spent “50,000 yen”, so the unpaid wage to employee A is “450,000 yen”. .
Here, the manager C pays the merchandise to the member store D (T11) before receiving the guarantee amount from the company B (T10).
The manager C reduces the guaranteed amount of 50,000 yen from the 500,000 yen managing the credit limit of the employee A and manages 450,000 yen as a new credit limit (T12).
Thereafter, each time employee A conducts a margin transaction at member store D, manager C reduces the guarantee amount calculated based on the transaction amount relating to the margin transaction from employee A's credit limit.
Further, in the present invention, the business partner that the employee A can use the card is not limited to one company, and is a business partner that has a so-called member store contract with the manager C. There may be more than one.
Company B notifies employee A of the details of wage payment (T13).
FIG. 4 is an explanatory diagram showing an embodiment of a consideration payment recording medium according to the present invention, and is an example of a wage payment statement (for March 2002) distributed by company B to employee A.
The wage payment statement P1 includes the wages for March (credit limit), paid wages, unpaid wages, unpaid wages carried forward as of the end of February, and unpaid wages as of the end of March. Are respectively 500,000 yen, 200,000 yen, 300,000 yen, 400,000 yen, and 700,000 yen. In other words, Company B paid 200,000 yen as the guaranteed amount in the month of March out of the wage of 500,000 yen for March, and the unpaid wage for March was 300,000 yen (= 500,000-20 The total amount of 700,000 yen of unpaid wages carried forward as of the end of February is 700,000 yen, which is the credit limit as of the end of March.
The wage payment statement P1 also describes the details of paid wages, that is, the payment date of the guaranteed amount and the payee.
The compensation payment recording medium according to the present invention includes not only a paper medium but also an electronic information recording medium such as a Web page to be described later.
FIG. 10 is an explanatory view showing another embodiment of the wage payment statement, in which three cards are issued to the employee A. The wage payment statement P1x describes employee A's wage and payment details for each card. Figure 10 shows that employee A's wage of 500,000 yen is given to cards 1, 2, and 3 as “credit limit of the current month” as “200,000 yen”, “250,000 yen”, and “50,000 yen”, respectively. Indicates. The payment details for each card include “current credit limit”, “paid wages” “unpaid wages” “unpaid wages carried forward” “total unpaid wages (credit limit)”. Figure 10 shows that credit limit of 200,000 yen is granted for card 1 this month, and 50,000 yen is used (paid wage), and the difference is 150,000 yen (unpaid wage). It shows that the total with unpaid wages of 100,000 yen is 250,000 yen (total amount of unpaid wages).
FIG. 5 is a block diagram showing an embodiment of a consideration payment management server (hereinafter referred to as “the present server”) according to the present invention, which is used by the manager C to manage the credit limit of the employee A. Reference numeral 1 denotes the server, which is connected to the terminals 2, 3, and 4 via the communication network 5. Terminals 2, 3, and 4 are terminals used by the company B, the member store D, and the financial institution E to use the server 1, respectively.
Here, the financial institution E is a person who settles the transaction amount related to the credit transaction of the employee A between the company B and the member store D. That is, when the administrator C indicates the guarantee amount to the financial institution E, the financial institution E transfers funds from the company B to the member store D and notifies the administrator C that the settlement is completed.
In the present invention, the company B, the manager C, and the financial institution E are not necessarily different persons. For example, the manager C and the financial institution E may be the same person, or the company B The manager C and the financial institution E may all be the same person.
Examples of the communication network 5 include computer communication networks such as the Internet and LAN. The server 1 and the terminals 2, 3, and 4 are connected to the communication network 5 through communication lines such as a dedicated line, a public switched telephone network (PSTN), a wireless telephone network, a CATV network, and a satellite communication network (not shown). .
The terminals 2, 3, and 4 may be any information processing device that can communicate with the server 1 via the communication network 5. For example, a personal computer, a PDA (Personal Digital Assistant) having a data communication function, There are mobile phones.
The server 1 may be any information processing apparatus that can communicate with the terminals 2, 3, and 4 via the communication network 5, and includes, for example, a personal computer.
In this server 1, a compensation payment management program (hereinafter referred to as “this program”) according to the present invention operates to control each means in the server 1, so that the wage payment management method ( Hereinafter, it is referred to as “the present method”.
Here, if a computer-readable recording medium (hereinafter referred to as “this recording medium”) according to the present invention in which the program is recorded is used, a computer (not shown) can function in the same manner as the server 1. That is, the method can be realized by a computer (not shown) reading and executing the program from the recording medium.
The server 1 includes a credit information receiving unit 11, a credit limit adding unit 12, a credit limit managing unit 13, a credit inquiry information receiving unit 14, a query result information output unit 15, a transaction information receiving unit 16, and a credit limit subtracting unit. 17 and a settlement instruction information output unit 18.
The credit information receiving unit 11 is means for receiving credit information related to the employee A. The credit information is information necessary for the manager C to set the credit limit for the employee A, and includes at least information for identifying the employee A and the wage equivalent of the employee A.
The credit limit adding unit 12 adds the amount equivalent to the wage of the employee A included in the credit information regarding the received employee A to the credit limit (balance) of the employee A already managed in the server 1. This is a means for calculating a new credit limit.
The credit limit management unit 13 is a means for managing (storing) the credit limit of the employee A.
The credit inquiry information receiving unit 14 is means for receiving credit inquiry information regarding the employee A. The credit inquiry information is information related to the credit inquiry, that is, the manager C is required to determine whether or not to guarantee the payment of the transaction amount related to the credit transaction of the employee A to the member store D. Information, which includes at least information identifying employee A and the transaction amount.
The inquiry result information output unit 15 is means for outputting inquiry result information for the accepted credit inquiry information based on the credit limit of the employee A. The inquiry result information is information relating to the inquiry result, and at least information indicating a result of whether or not the manager C guarantees payment of the transaction amount related to the credit transaction of the employee A to the member store D. including.
The transaction information receiving unit 16 is means for receiving transaction information and calculating a guarantee amount based on the received transaction information. The transaction information is information related to the credit transaction of the employee A, and includes at least information specifying the employee A and the transaction amount. In addition, information related to the product (product name, etc.) and information related to the member store D ( The name of the member store D, etc.), or the number of divisions when a transaction amount to be described later is set as installment payment may be included.
The credit limit subtracting unit 17 is means for reducing the guaranteed amount calculated from the credit limit managed.
The settlement instruction information output unit 18 is means for outputting settlement instruction information. The payment instruction information is information necessary for the payment of the guaranteed amount, and at least information for specifying a payment method to the member store D (such as an account number established by the member store D at the financial institution) and the guaranteed amount. Including.
FIG. 6 is a flowchart showing an embodiment of the method by the server 1.
The server 1 receives the credit information from the terminal 2 using the credit information receiving unit 11 (U1), and uses the credit limit adding unit 12 to manage the employee A managed in the credit limit managing unit 13 The credit limit amount and the wage equivalent amount of employee A included in the received credit information are added and stored in the credit limit management unit 13 as a new credit limit amount (U2).
FIG. 7 is a diagram illustrating the credit limit stored in the credit limit management unit 13.
The credit limit management unit 13 stores the credit limit for each user of the card, that is, for each person whose wage payment is managed by the server 1, together with the payment details (only the credit limit is stored). May be managed). It is assumed that the server 1 can extract information stored regarding the employee A by searching the credit limit management unit 13 based on the information specifying the employee A.
(A) shows the state before employee A purchases a product at member store D. In March, two margin transactions were made and the credit limit was 750,000 yen. ing.
Although (b) is mentioned later, the state after employee A purchases goods in member store D is shown.
When the employee A uses the card at the member store D, the server 1 receives the credit inquiry information from the terminal 3 by using the credit inquiry information receiving unit 14 (U3).
The terminal 3 transmits information identifying the employee A read from the card to the server 1 through the communication network 5 together with the price of the product that the employee A desires to purchase.
The server 1 uses the inquiry result information output unit 15 to confirm the credit limit of the employee A, that is, compares the price of the product received from the terminal 3 with the credit limit, and the result (payment of the price). Information indicating whether or not to guarantee is transmitted to the terminal 3 (U5).
When the member store D performs a margin transaction with the employee A, the server 1 receives the transaction information from the terminal 3 using the transaction information receiving unit 16 (U6), and pays for the product included in the transaction information. A guarantee amount is calculated based on (U7). Thereafter, the server 1 uses the settlement instruction information output unit 18 to transmit the settlement instruction information to the terminal 4 (U8).
When the settlement of the guaranteed amount between the company B and the member store D is completed (U10), the server 1 receives information indicating that the settlement is completed from the terminal 4 using a means (not shown) (U10). After confirming the completion of the settlement using a means not shown, a credit limit subtracting unit 17 is used to calculate a new credit limit by subtracting the guaranteed amount from the credit limit, and a credit limit managing unit 13 (U11). At that time, as shown in FIG. 7B, details of payment (date, payee, payment amount (guaranteed amount), etc.) are also stored.
The server 1 may transmit information related to the credit transaction of the employee A stored in the credit limit management unit 13 to the terminal 2 by using a means not shown. That is, for example, the company B can create the wage payment statement P1 to be distributed to the employee A shown in FIG. 4 using the information related to the margin transaction of the employee A received from the server 1.
Further, the server 1 may be provided with means for creating and outputting a wage payment statement P1 with reference to the credit limit management unit 13. As an output mode, for example, print output to a printer device (not shown), electronic data of the wage payment statement P1 is transmitted by e-mail, or transmitted as a Web page. By using this means, the manager C can reduce the burden on the company B that creates the wage payment statement P1 of the company employee A.
Here, information relating to the credit transaction of the employee A can be received by a person in charge of accounting of the company B by connecting to the server 1 from the terminal 2 or the employee A can receive the information from the terminal not shown in the server 1. It may be possible to connect and receive. In this case, for example, the server 1 operates as a so-called Web server, uses a means (not shown), refers to the credit limit management unit 13, creates a Web page corresponding to the wage payment statement P1, and Information related to the margin transaction of employee A may be transmitted by causing the person in charge of B or employee A to browse.
The server 1 may send the information related to the credit transaction of the employee A periodically (for example, wage payment date), or irregularly (for example, the person in charge of the company B or the employee A can always send The latest information may be browsed by accessing the server 1).
Further, the information related to the margin transaction of the employee A transmitted by the server 1 to the company B includes at least a guarantee amount, and other information such as a payment destination is not notified to the company B, and only the employee A is notified. Notification may be made so that only employee A can check the history of margin transactions.
Here, in the embodiment described above, the monthly wage of 500,000 yen for March 2002 is offset by the total guarantee amount of 200,000 yen for the transaction amount for the month of March 2002. As an example, on March 31, which is the date of paying the wages for March, the credit limit of 300,000 yen (= 500,000-200,000 yen), which is the difference, was given. In the present invention, the relationship between the credit limit and the guarantee amount offset against the credit limit is not limited to this. That is, for example, the credit limit granted on March 31 may be the difference between the monthly salary for March 2002 and the total guaranteed amount for the month of February 2002.
In the present invention, when the employee A, the company B, the member store D, and the financial institution E exchange information with the manager C, it is not always necessary to perform the communication via the communication network 5. That is, for example, instead of transmitting the wage equivalent amount of employee A input to the server 1 from the terminal 2 of the company B to the server 1, a document describing the wage equivalent amount is managed from the company B. The administrator C may input the wage equivalent amount into the server 1 by mailing it to the person C.
Furthermore, although embodiment described above demonstrated the member store D which sells goods as an example as a business partner, the business partner in this invention is not limited to the person who sells goods, For example, a financial institution It may be. In other words, employee A uses this card to withdraw cash from the automatic cash dispenser of the financial institution, and company B pays the cash equivalent amount withdrawn by employee A to the financial institution through manager C. You can also
Furthermore, in the embodiment described above, the employee A performs a credit transaction using the card issued by the manager C. However, the card is not necessarily required in the present invention. That is, it is only necessary for a business partner who performs a margin transaction with the employee A to confirm information identifying the employee A. That is, for example, the employee A may verbally convey the employee number to the business partner, or, in so-called online shopping, the employee A inputs the employee number from the home computer, and the business partner computer. You may make it transmit to.
According to the embodiment described above, since the wage equivalent amount is granted to the employee A as the credit limit amount, the company B pays the amount required when the employee A needs the wage equivalent amount. be able to. As a result, the company B does not need to prepare the entire amount of wages on the wage payment date, and therefore can release the company B from the burden of wage payment.
On the other hand, since employee A can lend company B with wages that do not need to be kept at hand, for example, if company B pays interest on unpaid wages, employee A will be An interest rate can be received from B separately from the wage equivalent. The interest rate may be calculated by the server 1 based on transaction information using means not shown and added to the credit limit of the employee A.
Here, the interest rate of the unpaid wage paid by the company B to the employee A may be determined in advance by the company B and notified to the manager C, or the manager C itself or the outside The administrator C may make a decision based on the credit check result by the research organization. The interest rate may be changed for each employee, or may vary depending on the amount of unpaid wages and the unpaid period.
In the embodiment described above, as shown in FIG. 3, the transaction amount is collectively paid as an example. In the present invention, so-called installment payment is adopted in which the transaction amount is divided and paid. May be. That is, the guaranteed amount calculated based on the transaction information received by the server includes the guaranteed amount calculated based on the “transaction amount” and the “number of divisions” included in the transaction information.
11 to 13 are explanatory diagrams showing an embodiment of installment payment (monthly installment) when the employee A shown in FIG. 3 purchases a product of 50,000 yen from the member store D. FIG.
FIG. 11 shows a case where the employee A has applied to the member store D for five installments, that is, the member store D gives the employee A a payment grace. That is, the manager C who has received a notification from the member store D that “the payment is 50,000 yen for five installments” charges the company B for 10,000 yen every month and pays it to the member store D. In this case, the member store D receives a grace payment to receive an amount equivalent to the interest rate from the company B, and the company B reduces the amount of interest paid to the member store D from the credit limit of the employee A. Also good.
FIG. 12 shows a case where the administrator C gives payment to the company B. In other words, the manager C who has received a notification of 50,000 yen from the member store D pays 50,000 yen to the member store D, and bills and receives 10,000 yen from the company B every month. In this case, the manager C may receive an amount equivalent to the interest rate from the company B by giving a payment grace. In addition, you may make it this company interest contribute, for example.
FIG. 13 shows a case where member store D gives company B a payment grace. That is, the member store D divides the transaction amount of 50,000 yen with the employee A into 5 times and charges the manager C. The manager C charges the company B 10,000 yen every month and receives it. Pay to member store D. In this case, the member store D may receive an amount equivalent to the interest rate from the company B by giving the company B a deferred payment. This interest rate equivalent amount may be deducted from employee A's credit limit as in the case of installment payment by employee A's offer shown in FIG. Company B may contribute regardless of the credit limit.
In the embodiment described above, wages were used as an example of compensation. However, if the price of purchased products is taken as consideration, the purchaser of the product who is the obligor of payment is equivalent to the accounts payable. By giving the amount as a credit limit to the provider of the product, it is only necessary for the provider of the product to repay the accounts payable when performing a margin transaction, which frees you from the burden of paying the consideration. .
Here, the transfer of the credit limit, that is, the continuous distribution of the credit limit will be described with reference to FIGS.
FIG. 14A shows that the company J, which has purchased a product with a price of 300,000 yen from the company K, has given the price of the product to the company K as a credit limit. That is, when the company K sells a product to the company J, the company K makes a credit inquiry to the server 1 and sells the product. FIG. 17 is a flowchart showing the transaction. In this server 1, the credit limits of companies J and K are set (recorded) in advance (Y1). Here, it is assumed that the credit limit of company J is 300,000 yen or more, and the credit limit of company K is 0 yen.
As described above, the company J uses this card when purchasing a product from the company K (Y2), and the company K connects to the server 1 from a terminal (not shown) and makes a credit inquiry (Y3). The server 1 confirms the credit limit of the company J (Y4), and notifies the result to the company K (Y5). When the company K provides the product to the company J (Y6) and notifies the server 1 of the amount corresponding to the price of the product (Y7), the server 1 updates, that is, sets the credit limit of the companies J and K. The credit limit of company J is reduced by 300,000 yen, and the credit limit of company K is increased by 300,000 yen (Y8).
(B) is the figure which this server 1 which received the transaction information regarding the said transaction showed the information which the credit limit management part 13 manages. Here, it is shown that the payment obligor, right holder, and transaction amount (credit amount granted) are Company J, Company K, and 300,000 yen, respectively. The “transfer” column will be described later.
(C) is an explanatory diagram showing an example of a credit limit browsing screen that is created by the server 1 by referring to the credit limit management unit 13 and transmitted to the company K using means not shown when the transaction is completed. It is. The screen shows that the credit limit granted to the company K is 300,000 yen, and the payment obligation is the company J. The “interest rate” and “rank” columns will be described later.
Using this means, the server 1 accepts an inquiry request from the terminal of the company K (Y9 in FIG. 17), searches the credit limit management unit 13 and searches for the credit limit given to the company K. (Y10), a credit limit browsing screen shown in FIG. 14C is created and transmitted to the terminal of company K (Y11).
In this way, the company K can connect to the server 1 from a terminal (not shown) and inquire / confirm the credit limit assigned to itself.
FIG. 15A shows that company K, which has purchased a product with a price of 400,000 yen from company L after the transaction shown in FIG. 14A, has granted the price of the product to company L as a credit limit. ing.
(B1) is the figure which showed the information which this server 1 which received the transaction information regarding the said transaction manages with the credit limit management part 13. FIG. Here, in addition to the information related to the transaction shown in FIG. 14, the payment obligation, the right holder, and the transaction amount (credit amount granted) are Company K, Company L, and 400,000 yen, respectively. Show.
(B2) is managed by the credit limit management unit 13 when the company K transfers the credit limit of 300,000 yen granted by the company J to a part of the credit limit of 400,000 yen granted to the company L. It is a figure explaining information. As shown in (b2), the credit limit amount of 300,000 yen granted to the company K from the company J is granted to the company L from the company J by transferring the credit limit. Company K has given credit L to Company L a difference amount of 100,000 yen.
“Done” in the “Transfer” column shown in (b2) means that the credit limit receivable / liability between the payer and the right holder for the transaction is the result of the transfer of the credit limit by Company K. Disappearance, more specifically, for example, company J's debt (credit limit) of 300,000 yen for company K shown in the first line of (b2) disappears, and instead, company J's company shown in the third line The debt for L is 300,000 yen. That is, the company J pays an amount equivalent to 300,000 yen for the product purchased from the company K to the company L designated by the company K instead of the company K. The fourth line of (b2) shows information related to the credit limit of the balance of 100,000 yen (= 400,000 yen-300,000 yen) due to the transfer.
(C) is an example of a credit limit browsing screen that is created by the server 1 by referring to the credit limit management unit 13 and transmitted to the company L using means not shown when the transaction / transfer is completed. It is explanatory drawing shown. In this screen, the credit limit granted to company L is 400,000 yen, the payers are company J and company K, and the credit limits granted from each are 300,000 yen and 100,000 yen. It shows that there is.
FIG. 16A shows a case where a company L who has purchased a product with a price of 600,000 yen from the company M after the transaction shown in FIGS. 14A and 15A uses the price of the product as a credit limit. It is shown that it was granted.
(B1) is the figure which showed the information which this server 1 which received the transaction information regarding the said transaction manages with the credit limit management part 13. FIG. Here, in addition to the information on transactions / transfers shown in FIGS. 14 and 15, the payment obligor, right holder, and transaction amount (credit amount granted) are Company L, Company M, and 600,000 yen, respectively. Indicates that
(B2) shows that company L has a credit limit of 300,000 yen granted by company J and a credit limit of 100,000 yen granted by company K. It is the figure explaining the information managed by the credit limit management part 13 at the time of transfer to a part. As a result of the transfer, companies J, K, and L have given credit limits of 300,000 yen, 100,000 yen, and 200,000 yen to company M, respectively.
(C) is an example of a credit limit browsing screen which is created by the server 1 by referring to the credit limit management unit 13 and transmitted to the company M by using means not shown when the transaction / transfer is completed. It is explanatory drawing shown. In this screen, the credit limit granted to company M is 600,000 yen, the payers are companies J, K, and L, and the credit limits granted from each are 300,000 yen and 100,000 yen , 200,000 yen.
Here, the “interest rate” and “rank” columns of the credit limit browsing screen shown in (c) of FIGS.
According to the example of FIG. 16 (c), the company M browses the screen and is given a credit limit of 600,000 yen, and its breakdown, that is, the payment obligation and the credit limit. You can confirm the forehead. In this case, if company M then purchases a product from a third party (including companies J, K, and L) and grants the credit limit equivalent to the price to the third party, it is granted to the third party. As described above, a part or all of the credit limit of 600,000 yen can be transferred. “Interest rate” and “Rank” are examples of an index for the company M to determine from which payer the credit limit granted from among the credit limit granted to 600,000 yen should be transferred. . As described above, the “interest rate” is an interest rate for a credit limit set in advance by the payer, and the “rank” is a so-called rating of the payer.
In the examples shown in FIGS. 14 to 16, the company M directly deals with the company L only, and there is no transaction with the companies J and K. That is, the company M is given a credit limit from a payment obligor who does not have a transaction. Therefore, by browsing the screen shown in FIG. 16C, the company M can perform risk management such as, for example, preferentially transferring from a credit limit of a company with a low interest rate or a low rank. it can.
FIG. 18 is a flowchart showing the transfer of the credit limit relating to the transaction of FIG.
As described above, the company K purchases a product from the company L, and grants the price equivalent to 400,000 yen to the company L as a credit limit (Z6 to Z8). Thereafter, the company K connects to the server 1 from a terminal (not shown), inquires about the credit limit, and transfers the credit limit while referring to the credit limit browsing screen shown in FIG. (Z9 to Z12). FIG. 19 (a) shows that the credit limit granted by company K from company J (corresponding to so-called accounts receivable) is 300,000 yen, and the credit limit granted by company K to company L (so-called accounts payable). The credit limit amount of 300,000 yen corresponding to accounts payable is transferred to the credit limit corresponding to accounts receivable. The server 1 receives a transfer instruction using means not shown, and transfers the credit limit based on the instruction, that is, the information recorded in the credit limit management unit 13 from (b1) to (b2) in FIG. The screen shown in FIG. 19B is created and transmitted to the company K terminal. FIG. 19B shows that there is no credit limit given to the company K (0 yen), and the credit limit given to the company L is 100,000 yen.
Note that the transfer amount may be designated together with the transfer instruction on the screen shown in FIG.
In addition, the transfer instruction for this server is not limited to after the transaction. For example, the server is provided with means for previously registering an instruction such as “transfer preferentially from a credit limit with a low interest rate” to this server. May be. By using this means, the server searches for a transfer instruction that has been registered at the time of updating the credit limit upon receiving a notification of the price for the product. The limit amount can be transferred.
In the embodiment described so far, the credit limit granted to the beneficiary by the payer is the amount equivalent to the consideration that the beneficiary should receive from the payer (for example, the credit that company B grants to employee A) However, the present invention is not limited to this, and instead of using the credit limit granted to the right holder as the consideration equivalent, You may make it pay the consideration by giving the credit limit amount more than the consideration equivalent amount including the amount. In this way, it is possible to cause the right holder to perform a credit transaction that is equal to or greater than the consideration amount. Taking wages as an example, instead of setting the credit limit granted to employee A to be equivalent to wages, pay wages including credit equivalents, that is, credit limits greater than or equal to wages Thus, it is possible to make employee A perform a credit transaction equivalent to the amount equivalent to the wage.
That is, the embodiment described with reference to FIGS.
(Case 1) Company B grants employee A a credit amount equivalent to wages,
It was a thing,
(Case 2) Company B examines employee A and gives employee A a credit amount.
(Case 3) The manager C examines the company B and grants a credit amount to the company B, and the company B grants (a part of) the credit amount granted by the manager C to the employee A.
(Case 4) Manager C examines employee A and gives employee A a credit amount.
For example, another credit amount different from the wage equivalent amount of the employee A may be given.
That is, in the case 2, the company B grants a credit limit amount of, for example, 800,000 yen to the employee A having a monthly salary of 500,000 yen. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen is a loan from company B to employee A. That is, the company B guarantees the manager C to pay up to the guaranteed amount of 800,000 yen, even if the guaranteed amount exceeds 500,000 yen. However, employee A must repay the guaranteed amount exceeding the wage equivalent of 500,000 yen. In this case, the difference between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen is 300,000 yen (of the difference of 300,000 yen, the amount actually used by employee A, that is, the guarantee that company B paid to manager C The amount (hereinafter the same) is used as a loan from the manager C to the company B and may be a loan from the company B to the employee A, or a loan from the manager C to the employee A. It may be gold.
Further, in case 3, the manager C gives a credit amount of 1 million yen to the company B, and the company B is given by the manager C to the employee A having a monthly salary of 500,000 yen. Of the 1,000,000 yen, 300,000 yen is added to the wage equivalent of 500,000 yen to give a credit limit of 800,000 yen. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen may be used as a loan from the manager C to the company B and from the company B to the employee A. Or it is good also as a loan from the manager C to the employee A.
Alternatively, in case 4, the company B grants a credit limit of 500,000 yen to the employee A with a monthly salary of 500,000 yen, and the manager C independently (for example, the credit transaction of the employee A) A credit limit of 300,000 yen is granted to employee A (for example, by examining the details), and the total credit limit of employee A is 800,000 yen. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen becomes a loan from the manager C to the employee A. That is, while company B guarantees the administrator C to pay the guaranteed amount up to the wage equivalent amounting to 500,000 yen, even if the administrator C is a credit transaction with a guaranteed amount exceeding 500,000 yen, Payment to the yen will be guaranteed to the merchant.
Further, in the embodiment described above, the credit limit amount given to the employee A by the company B is only the wage equivalent amount of the employee A, that is, only the credit (unsecured). Without being limited thereto, a wage amount may be paid by giving a credit amount corresponding to the collateral to the employee A and giving a credit limit amount including the wage equivalent amount separately from the wage equivalent amount. In this way, even if credit is not received separately from the wage equivalent amount, a credit limit amount equal to or greater than the wage equivalent amount can be granted to the employee A.
That is, the embodiment described with reference to FIGS.
(Case 1) Giving a credit equivalent to wages (ie unsecured)
It was a thing,
(Case 5) Company B grants a credit amount to employee A according to the collateral given by employee A to company B.
(Case 6) In accordance with the collateral provided by employee A to manager C, manager C grants a credit amount to employee A.
(Case 7) In accordance with the collateral given by employee A to manager C, manager C grants a credit amount to company B, and company B (part of) the credit amount granted by manager C To employee A,
(Case 8) According to the collateral provided by the company B to the manager C, the manager C grants a credit amount to the company B, and the company B obtains (part of) the credit amount granted by the manager C. Granted to employee A,
For example, another credit amount different from the wage equivalent amount may be given.
That is, in case 5, company B grants employee A a credit amount of 300,000 yen to employee A with a monthly salary of 500,000 yen using employee A's land as collateral, for a total of 800,000 yen. Yen is the credit limit for employee A. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen is a loan from company B to employee A. That is, the company B guarantees the manager C to pay up to the guaranteed amount of 800,000 yen, even if the guaranteed amount exceeds 500,000 yen. However, employee A must repay the guaranteed amount exceeding the wage equivalent of 500,000 yen. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen may be used as a loan from the manager C to the company B and from the company B to the employee A. Or it is good also as a loan from the manager C to the employee A.
In case 6, company B grants a credit amount of 500,000 yen to employee A with a monthly salary of 500,000 yen, and manager C secures the land owned by employee A as 300,000. A credit amount of Yen is given to employee A, and a total of 800,000 yen is set as the credit limit of employee A. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen may be used as a loan from the manager C to the company B and from the company B to the employee A. Or it is good also as a loan from the manager C to the employee A.
In case 7, manager C grants a credit amount of 1 million yen to company B using the land owned by employee A as collateral, and company B gives employee A a monthly salary of 500,000 yen. In addition, 300,000 yen out of 1 million yen granted by the manager C is added to the wage equivalent of 500,000 yen to give a credit limit of 800,000 yen. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen may be used as a loan from the manager C to the company B and from the company B to the employee A. Or it is good also as a loan from the manager C to the employee A.
In case 8, the administrator C grants a credit amount of 1 million yen to the company B using the land owned by the company B as collateral, and the company B gives an employee A with a monthly salary of 500,000 yen to the employee A. Of the 1,000,000 yen granted by the administrator C, 300,000 yen is added to the wage equivalent of 500,000 yen to give a credit limit of 800,000 yen. In this case, the difference of 300,000 yen between the credit limit of 800,000 yen and the wage equivalent of 500,000 yen may be used as a loan from the manager C to the company B and from the company B to the employee A. Or it is good also as a loan from the manager C to the employee A.
In the present invention, the credit given to the employee A separately from the wage equivalent amount is not limited to the cases 2 to 8 described above, and may be another case.
Moreover, you may combine cases 1-8. That is, for example, company B grants employee A unsecured credit separately from the wage equivalent, and manager C grants credit according to the collateral held by employee A. Also good.
Further, the company B and the manager C may take an interest rate for a loan whose guaranteed amount for the credit transaction of the employee A exceeds the wage equivalent amount. That is, for example, in case 2, when company B guarantees the payment of the guaranteed amount of 600,000 yen (if paid), the loan period etc. The corresponding interest rate should be deducted from the next month's credit limit. In that case, the manager C may calculate the interest rate based on the details of the margin transaction of the employee A managed by this server, and the interest rate may be deducted when the next month's wage equivalent is received. Alternatively, the interest rate may be repaid from the employee A to the manager C, or from the employee A to the company B.
Possibility of industrial use According to the present invention, since the amount equivalent to the consideration is given to the right holder as the credit limit, the payer is required when the right holder needs the amount equivalent to the consideration. You can pay the right amount. As a result, the payer does not need to prepare the full amount of consideration on the payment date of the consideration, so that the payer can be released from the burden of paying the consideration.
Further, according to the present invention, since a credit different from the consideration equivalent can be given to the right holder, the right holder can also perform a credit transaction that is equal to or more than the consideration equivalent. That is, the payment obligor can give a credit equal to or greater than the consideration to the right holder.
[Brief description of the drawings]
FIG. 1 is a flowchart illustrating a credit limit managed by a consideration payment management method according to the present invention.
FIG. 2 is a flowchart illustrating the consideration (wage) to be paid by giving the credit limit amount.
FIG. 3 is a diagram showing a relationship between a transaction amount relating to a margin transaction and a guarantee amount paid by the payment obligation.
FIG. 4 is a diagram showing an example of a wage payment statement distributed from the employer to the employee.
FIG. 5 is a block diagram showing an embodiment of a consideration payment management server according to the present invention.
FIG. 6 is a flowchart showing an embodiment of a consideration payment management method according to the present invention.
FIG. 7 is a diagram for explaining the credit limit managed in the server.
FIG. 8 is a flowchart for explaining a conventional credit card settlement method.
FIG. 9 is a flowchart illustrating a conventional debit card payment method.
FIG. 10 is a diagram showing another example of the wage payment statement distributed from the employer to the employee.
FIG. 11 is a diagram showing an example in which a transaction amount related to a margin transaction is divided and paid with a credit limit amount.
FIG. 12 is a diagram showing another example in which a transaction amount related to a margin transaction is divided and paid with a credit limit amount.
FIG. 13 is a diagram showing still another example in which the transaction amount related to the margin transaction is divided and paid by the credit limit amount.
FIG. 14 is a diagram for explaining the transfer of the credit limit after the margin transaction.
FIG. 15 is another diagram illustrating the transfer of the credit limit after the margin transaction.
FIG. 16 is still another diagram illustrating the transfer of the credit limit after the margin transaction.
FIG. 17 is a flowchart showing an example of a credit limit inquiry.
FIG. 18 is a flowchart showing an example of credit limit transfer.
FIG. 19 is a diagram showing an example of a credit limit browsing screen.

【特許請求の範囲】
【請求項１】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理する方法であって、
上記受取権利者の対価相当額が、当該受取権利者を特定する情報と共にサーバに入力されるステップと、
上記サーバが、上記入力された受取権利者の対価相当額を、当該受取権利者の与信限度額として、上記入力された受取権利者を特定する情報に対応付けて記憶するステップと、
上記サーバが、上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受信するステップと、
上記サーバが、上記受信した取引額に基づき、上記支払義務者が支払うべき保証額を算出するステップと、
上記サーバが、上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出するステップと、
上記サーバが、上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出するステップと、
上記サーバが、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップ、とを有することを特徴とする対価支払管理方法。
【請求項２】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理する方法であって、
上記受取権利者の対価相当額が、当該受取権利者を特定する情報と共にサーバに入力されるステップと、
上記サーバが、上記受取権利者を特定する情報に対応付けて当該サーバ内に記憶されている当該受取権利者の与信限度額に、上記入力された対価相当額を加算して当該受取権利者の新たな与信限度額を算出するステップと、
上記サーバが、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップと、
上記サーバが、上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受信するステップと、
上記サーバが、上記受信した取引額に基づき、上記支払義務者が支払うべき保証額を算出するステップと、
上記サーバが、上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出するステップと、
上記サーバが、上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出するステップと、
上記サーバが、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップ、とを有することを特徴とする対価支払管理方法。
【請求項３】サーバが、算出した保証額と抽出した受取権利者の与信限度額とを比較するステップ、をさらに有し、
上記算出した保証額が上記抽出した受取権利者の与信限度額以下である場合にのみ、上記サーバが、上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出するステップと、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップ、を実行する請求の範囲第１項または第２項記載の対価支払管理方法。
【請求項４】サーバが、算出した保証額の決済に必要な情報を出力するステップ、をさらに有する請求の範囲第１項乃至第３項のいずれかに記載の対価支払管理方法。
【請求項５】サーバが、保証額の決済の完了を確認するステップ、をさらに有し、
上記サーバが、上記保証額の決済の完了を確認した後に、抽出した受取権利者の与信限度額から算出した保証額を減額して当該受取権利者の新たな与信限度額を算出するステップと、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップ、を実行する請求の範囲第１項乃至第４項のいずれかに記載の対価支払管理方法。
【請求項６】サーバが、受取権利者に関する信用照会情報を受付けるステップと、
上記サーバが、上記受付けた信用照会情報に対する照会結果情報を出力するステップ、とをさらに有する請求の範囲第１項乃至第５項のいずれかに記載の対価支払管理方法。
【請求項７】サーバが、受取権利者の信用取引に関する情報を出力するステップ、をさらに有する請求の範囲第１項乃至第６項のいずれかに記載の対価支払管理方法。
【請求項８】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するサーバであって、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受付けた受取権利者の対価相当額を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、とを有してなることを特徴とする対価支払管理サーバ。
【請求項９】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するサーバであって、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該サーバ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、とを有してなることを特徴とする対価支払管理サーバ。
【請求項１０】算出した保証額と抽出した受取権利者の与信限度額とを比較する手段、をさらに有してなる請求の範囲第８項または第９項記載の対価支払管理サーバ。
【請求項１１】算出した保証額の決済に必要な情報を出力する手段、をさらに有してなる請求の範囲第８項乃至第１０項のいずれかに記載の対価支払管理サーバ。
【請求項１２】保証額の決済の完了を確認する手段、をさらに有してなる請求の範囲第８項乃至第１１項のいずれかに記載の対価支払管理サーバ。
【請求項１３】受取権利者に関する信用照会情報を受付ける手段と、
上記受付けた信用照会情報に対する照会結果情報を出力する手段、とをさらに有してなる請求の範囲第８項乃至第１２項のいずれかに記載の対価支払管理サーバ。
【請求項１４】受取権利者の信用取引に関する情報を出力する手段、をさらに有してなる請求の範囲第８項乃至第１３項のいずれかに記載の対価支払管理サーバ。
【請求項１５】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受付けた受取権利者の対価相当額を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させることを特徴とする対価支払管理プログラム。
【請求項１６】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該コンピュータ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させることを特徴とする対価支払管理プログラム。
【請求項１７】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受付けた受取権利者の対価相当額を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させるプログラムを記録したことを特徴とするコンピュータ読取可能な記録媒体。
【請求項１８】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該コンピュータ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させるプログラムを記録したことを特徴とするコンピュータ読取可能な記録媒体。
【請求項１９】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するコンピュータが、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受付けた受取権利者の対価相当額を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能する際に、上記取引額と共に受付ける上記受取権利者を特定する情報を記録したことを特徴とする対価支払管理媒体。
【請求項２０】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を管理するコンピュータが、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該コンピュータ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能する際に、上記取引額と共に受付ける上記受取権利者を特定する情報を記録したことを特徴とする対価支払管理媒体。
【請求項２１】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理する方法であって、
上記受取権利者の対価相当額と他の与信額が、当該受取権利者を特定する情報と共にサーバに入力されるステップと、
上記サーバが、上記入力された受取権利者の対価相当額と他の与信額の合計を、当該受取権利者の与信限度額として、上記入力された受取権利者を特定する情報に対応付けて記憶するステップと、
上記サーバが、上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受信するステップと、
上記サーバが、上記受信した取引額に基づき、上記支払義務者が支払うべき保証額を算出するステップと、
上記サーバが、上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出するステップと、
上記サーバが、上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出するステップと、
上記サーバが、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップ、とを有することを特徴とする対価支払管理方法。
【請求項２２】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理する方法であって、
上記受取権利者の対価相当額と他の与信額が、当該受取権利者を特定する情報と共にサーバに入力されるステップと、
上記サーバが、上記受取権利者を特定する情報に対応付けて当該サーバ内に記憶されている当該受取権利者の与信限度額に、上記入力された対価相当額と他の与信額の合計を加算して当該受取権利者の新たな与信限度額を算出するステップと、
上記サーバが、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップと、
上記サーバが、上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受信するステップと、
上記サーバが、上記受信した取引額に基づき、上記支払義務者が支払うべき保証額を算出するステップと、
上記サーバが、上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出するステップと、
上記サーバが、上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出するステップと、
上記サーバが、上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶するステップ、とを有することを特徴とする対価支払管理方法。
【請求項２３】他の与信額は、無担保で算出された額である請求の範囲第２１項または第２２項記載の対価支払管理方法。
【請求項２４】他の与信額は、受取権利者の信用取引の実績に応じて算出された額である請求の範囲第２１項乃至第２３項のいずれかに記載の対価支払管理方法。
【請求項２５】他の与信額は、受取権利者の保有する担保に応じて算出された額である請求の範囲第２１項乃至第２４項のいずれかに記載の対価支払管理方法。
【請求項２６】他の与信額は、支払義務者の保有する担保に応じて算出された額である請求の範囲第２１項乃至第２５項のいずれかに記載の対価支払管理方法。
【請求項２７】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するサーバであって、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受付けた受取権利者の対価相当額と他の与信額の合計を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、とを有してなることを特徴とする対価支払管理サーバ。
【請求項２８】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するサーバであって、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該サーバ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額と他の与信額の合計を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、とを有してなることを特徴とする対価支払管理サーバ。
【請求項２９】他の与信額は、無担保で算出された額である請求の範囲第２７項または第２８項記載の対価支払管理サーバ。
【請求項３０】他の与信額は、受取権利者の信用取引の実績に応じて算出された額である請求の範囲第２７項乃至第２９項のいずれかに記載の対価支払管理サーバ。
【請求項３１】他の与信額は、受取権利者の保有する担保に応じて算出された額である請求の範囲第２７項乃至第３０項のいずれかに記載の対価支払管理サーバ。
【請求項３２】他の与信額は、支払義務者の保有する担保に応じて算出された額である請求の範囲第２７項乃至第３１項のいずれかに記載の対価支払管理サーバ。
【請求項３３】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受付けた受取権利者の対価相当額と他の与信額の合計を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させることを特徴とする対価支払管理プログラム。
【請求項３４】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該コンピュータ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額と他の与信額の合計を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させることを特徴とする対価支払管理プログラム。
【請求項３５】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受付けた受取権利者の対価相当額と他の与信額の合計を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させるプログラムを記録したことを特徴とするコンピュータ読取可能な記録媒体。
【請求項３６】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するためのコンピュータを、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該コンピュータ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額と他の与信額の合計を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能させるプログラムを記録したことを特徴とするコンピュータ読取可能な記録媒体。
【請求項３７】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するコンピュータが、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受付けた受取権利者の対価相当額と他の与信額の合計を、当該受取権利者の与信限度額として、上記受付けた受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能する際に、上記取引額と共に受付ける上記受取権利者を特定する情報を記録したことを特徴とする対価支払管理媒体。
【請求項３８】支払義務者が受取権利者に対価相当額を含む与信限度額を付与して支払う対価の支払を管理するコンピュータが、
上記受取権利者を特定する情報と共に上記受取権利者の対価相当額と他の与信額を受付ける手段と、
上記受取権利者を特定する情報に対応付けて当該コンピュータ内に記憶されている当該受取権利者の与信限度額に、上記受付けた対価相当額と他の与信額の合計を加算して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段と、
上記受取権利者の信用取引に係る取引額を、上記受取権利者を特定する情報と共に受付ける手段と、
上記受付けた取引額に基づき、上記支払義務者が支払うべき保証額を算出する手段と、
上記取引額と共に受信した受取権利者を特定する情報に基づき、上記記憶された受取権利者の与信限度額を抽出する手段と、
上記抽出した受取権利者の与信限度額から上記算出した保証額を減額して当該受取権利者の新たな与信限度額を算出する手段と、
上記算出した受取権利者の新たな与信限度額を、当該受取権利者の与信限度額として上記受取権利者を特定する情報に対応付けて記憶する手段、として機能する際に、上記取引額と共に受付ける上記受取権利者を特定する情報を記録したことを特徴とする対価支払管理媒体。
【請求項３９】支払義務者が受取権利者に対価相当額の与信限度額を付与して支払う対価の支払を記録した媒体であって、
上記与信限度額と、支払済対価と、未払対価とが記録され、
上記支払済対価は、上記受取権利者の信用取引に係る取引額に基づき上記支払義務者が支払を保証した額であり、
上記未払対価は、上記与信限度額から上記支払済対価を減額した額であることを特徴とする対価支払記録媒体。
【請求項４０】支払済対価は、支払先に関する情報と共に記録されている請求の範囲第３９項記載の対価支払記録媒体。
【請求項４１】利用者の端末と取引先の端末のそれぞれと通信ネットワークを介して接続し、
上記利用者を特定する情報、この利用者が行う信用取引に係る取引額の支払を保証する者（以下、「支払義務者」という）を特定する情報、この支払義務者が上記取引額の支払を保証する限度額（以下、「支払義務者が利用者に付与した与信限度額」という）を関連付けて記憶している記憶手段を備えたサーバであって、
上記利用者と上記取引先との間の信用取引に係る取引額、この利用者を特定する情報、この取引先を特定する情報を、上記取引先の端末から受信する手段と、
上記記憶手段を検索して上記受信した利用者を特定する情報と関連付けて記憶されている上記支払義務者を特定する情報と支払義務者が上記利用者に付与した与信限度額を抽出する手段と、
上記抽出した支払義務者が利用者に付与した与信限度額と上記受信した取引額を上記利用者の端末に表示させる手段と、
上記表示させた支払義務者が利用者に付与した与信限度額の範囲内で指定された額を上記支払義務者が上記取引先に付与した与信限度額として上記利用者の端末から受信する手段と、
上記利用者の端末から受信した支払義務者が取引先に付与した与信限度額と上記支払義務者を特定する情報を、上記取引先を特定する情報と関連付けて上記記憶手段に記憶する手段と、
上記抽出した支払義務者が利用者に付与した与信限度額から上記支払義務者が上記取引先に付与した与信限度額を減額した額を、上記支払義務者が上記利用者に付与した与信限度額として、上記記憶手段に記憶されている支払義務者が利用者に付与した与信限度額を更新する手段と、を有してなることを特徴とする対価支払管理サーバ。
【請求項４２】利用者の端末と取引先の端末のそれぞれと通信ネットワークを介して接続し、
上記利用者を特定する情報、この利用者が行う信用取引に係る取引額の支払を保証する者（以下、「支払義務者」という）を特定する情報、この支払義務者が上記取引額の支払を保証する限度額（以下、「支払義務者が利用者に付与した与信限度額」という）を関連付けて記憶している記憶手段を備えたサーバであって、
上記利用者と上記取引先との間の信用取引に係る取引額、利用者を特定する情報、取引先を特定する情報を、上記取引先の端末から受信する手段と、
上記記憶手段を検索して上記受信した利用者を特定する情報と関連付けて記憶されている上記支払義務者を特定する情報と支払義務者が上記利用者に付与した与信限度額を抽出する手段と、
上記受信した取引額に相当する額を上記支払義務者から上記取引先に付与した与信限度額とし、この与信限度額を、上記支払義務者を特定する情報と共に上記取引先を特定する情報と関連付けて上記記憶手段に記憶する手段と、
上記抽出した支払義務者が利用者に付与した与信限度額から上記支払義務者が上記取引先に付与した与信限度額を減額した額を、上記支払義務者が上記利用者に付与した与信限度額として、上記記憶手段に記憶されている支払義務者が利用者に付与した与信限度額を更新する手段と、を有してなることを特徴とする対価支払管理サーバ。
【請求項４３】記憶手段には、一の利用者を特定する情報と複数の支払義務者を特定する情報が関連付けて記憶されていて、
上記利用者と取引先との間の信用取引に係る取引額を上記取引先の端末から受信した後に、上記取引額に相当する額を、上記複数の支払義務者のいずれの支払義務者に付与した与信限度額とするかを決定する手段をさらに有する請求項４２記載の対価支払管理サーバ。
【請求項４４】利用者と取引先との間の信用取引に係る取引額の決済を行う金融機関の端末と通信ネットワークを介して接続し、
上記取引先の端末から取引額を受信した後に、この取引額の決済に必要な情報を上記金融機関の端末に送信する手段をさらに有してなる請求項４１乃至４３のいずれかに記載の対価支払管理サーバ。
【請求項４５】取引先の端末から受信した取引額が、記憶手段から抽出した支払義務者から利用者に付与した与信限度額の範囲内であることを確認する手段をさらに有してなる請求項４４記載の対価支払管理サーバ。     [Claims]
        1. A method for managing payment of consideration paid by a payer who grants a credit limit equivalent to the consideration to the right holder,
  The consideration equivalent of the right holder is input to the server together with information identifying the right holder;
  The server stores the input equivalent of the right to be received as a credit limit for the right to be received in association with the information for identifying the right to be received;
  Receiving the transaction amount relating to the credit transaction of the right holder together with information identifying the right holder;
  The server calculates a guaranteed amount to be paid by the payer based on the received transaction amount;
  The server extracts the stored credit right of the right holder based on the information identifying the right holder received together with the transaction amount;
  The server calculates a new credit limit for the right holder by subtracting the calculated guarantee amount from the extracted credit limit for the right holder,
  The server includes storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder. Consideration payment management method.
        2. A method for managing payment of consideration paid by a payer who grants a credit limit equivalent to the consideration to the right holder,
  The consideration equivalent of the right holder is input to the server together with information identifying the right holder;
  The server adds the amount equivalent to the input consideration to the credit limit of the right holder stored in the server in association with the information specifying the right holder, and Calculating a new credit limit;
  The server stores the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Receiving the transaction amount relating to the credit transaction of the right holder together with information identifying the right holder;
  The server calculates a guaranteed amount to be paid by the payer based on the received transaction amount;
  The server extracts the stored credit right of the right holder based on the information identifying the right holder received together with the transaction amount;
  The server calculates a new credit limit for the right holder by subtracting the calculated guarantee amount from the extracted credit limit for the right holder,
  The server includes storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder. Consideration payment management method.
        3. The server further comprises the step of comparing the calculated guarantee amount with the extracted credit limit of the right holder,
  Only when the calculated guarantee amount is less than or equal to the credit limit of the extracted right holder, the server subtracts the calculated guarantee amount from the credit limit of the extracted right holder and A step of calculating a new credit limit of the receiver, and storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder. The consideration payment management method according to claim 1 or 2, wherein the step is executed.
        4. The consideration payment management method according to claim 1, further comprising a step for the server to output information necessary for settlement of the calculated guarantee amount.
        5. The server further comprises the step of confirming completion of the payment of the guarantee amount,
  The server, after confirming the completion of the settlement of the guarantee amount, subtracts the guarantee amount calculated from the extracted credit right of the right holder and calculates a new credit limit of the right holder; The step of storing the calculated new credit limit of the right holder in association with the information specifying the right holder as the credit limit of the right holder as described above. The consideration payment management method according to any one of items 4 to 5.
        6. The server accepts credit inquiry information about the right holder, and
  6. The consideration payment management method according to any one of claims 1 to 5, further comprising: a step in which the server outputs inquiry result information for the accepted credit inquiry information.
        7. The consideration payment management method according to any one of claims 1 to 6, further comprising a step for the server to output information related to the credit transaction of the right holder.
        8. A server for managing payment of a payment to be paid by a payer who grants a credit limit equivalent to the consideration to the right holder,
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  Means for storing the received equivalent of the right to be received as a credit limit for the right to be received in association with information for identifying the right to be received;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Means for storing the calculated new credit limit of the right holder in association with information for identifying the right holder as the credit limit of the right holder. Consideration payment management server.
        9. A server for managing payment of a payment that is paid by a payment obligation by giving a credit limit equivalent to the consideration to the right holder,
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  The new credit limit for the right holder by adding the equivalent amount received to the credit limit for the right holder stored in the server in association with the information identifying the right holder. Means for calculating
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Means for storing the calculated new credit limit of the right holder in association with information for identifying the right holder as the credit limit of the right holder. Consideration payment management server.
        10. The consideration payment management server according to claim 8, further comprising means for comparing the calculated guaranteed amount with the extracted credit limit of the right holder.
        11. The consideration payment management server according to claim 8, further comprising means for outputting information necessary for the settlement of the calculated guarantee amount.
        12. The consideration payment management server according to claim 8, further comprising means for confirming completion of settlement of a guarantee amount.
        13. A means for accepting credit inquiry information regarding the right holder,
  The consideration payment management server according to any one of claims 8 to 12, further comprising means for outputting inquiry result information for the accepted credit inquiry information.
        14. The consideration payment management server according to claim 8, further comprising means for outputting information related to the credit transaction of the right holder.
        15. A computer for managing payment of consideration paid by a payer by giving a credit limit equivalent to the consideration to the right holder.
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  Means for storing the received equivalent of the right to be received as a credit limit for the right to be received in association with information for identifying the right to be received;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Consideration payment management characterized in that it functions as a means for storing the calculated new credit limit of the right holder as a credit limit of the right holder in association with information identifying the right holder. program.
        16. A computer for managing payment of consideration paid by a payer by giving a credit limit equivalent to the consideration to the right holder,
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  A new credit limit for the right holder by adding the equivalent amount received to the credit limit for the right holder stored in the computer in association with the information identifying the right holder. Means for calculating
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Consideration payment management characterized in that it functions as a means for storing the calculated new credit limit of the right holder as a credit limit of the right holder in association with information identifying the right holder. program.
        17. A computer for managing payment of consideration paid by a payment obligor by granting a credit limit equivalent to the consideration to the right holder.
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  Means for storing the received equivalent of the right to be received as a credit limit for the right to be received in association with information for identifying the right to be received;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  A program is recorded that functions as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder. A computer-readable recording medium.
        18. A computer for managing payment of consideration paid by a payer by giving a credit limit equivalent to the consideration to the right holder,
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  A new credit limit for the right holder by adding the equivalent amount received to the credit limit for the right holder stored in the computer in association with the information identifying the right holder. Means for calculating
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  A program is recorded that functions as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder. A computer-readable recording medium.
        19. A computer that manages payment of consideration paid by a payer who grants a credit limit equivalent to the consideration to the right holder.
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  Means for storing the received equivalent of the right to be received as a credit limit for the right to be received in association with information for identifying the right to be received;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Accepting together with the transaction amount when functioning as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder A consideration payment management medium in which information specifying the right holder is recorded.
        20. A computer that manages payment of consideration paid by a payment obligation by granting a credit limit equivalent to the consideration to the right holder.
  Means for accepting an amount equivalent to the right holder's consideration together with information identifying the right holder;
  A new credit limit for the right holder by adding the equivalent amount received to the credit limit for the right holder stored in the computer in association with the information identifying the right holder. Means for calculating
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Accepting together with the transaction amount when functioning as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder A consideration payment management medium in which information specifying the right holder is recorded.
        21. A method for managing payment of consideration paid by a payer who grants a credit limit including a consideration equivalent to a right holder,
  The above-mentioned beneficiary right equivalent and other credit amount are input to the server together with information identifying the beneficiary right holder;
  The server stores, as a credit limit for the right holder, the information corresponding to the input right holder and the information for identifying the input right holder as a credit limit for the right holder. And steps to
  Receiving the transaction amount relating to the credit transaction of the right holder together with information identifying the right holder;
  The server calculates a guaranteed amount to be paid by the payer based on the received transaction amount;
  The server extracts the stored credit right of the right holder based on the information identifying the right holder received together with the transaction amount;
  The server calculates a new credit limit for the right holder by subtracting the calculated guarantee amount from the extracted credit limit for the right holder,
  The server includes storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder. Consideration payment management method.
        22. A method for managing payment of consideration paid by a payer by granting a credit limit including a consideration equivalent amount to a right holder,
  The above-mentioned beneficiary right equivalent and other credit amount are input to the server together with information identifying the beneficiary right holder;
  The server adds the sum of the input consideration equivalent amount and the other credit amount to the credit limit of the right holder stored in the server in association with the information specifying the right holder. Calculating a new credit limit for the right holder,
  The server stores the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Receiving the transaction amount relating to the credit transaction of the right holder together with information identifying the right holder;
  The server calculates a guaranteed amount to be paid by the payer based on the received transaction amount;
  The server extracts the stored credit right of the right holder based on the information identifying the right holder received together with the transaction amount;
  The server calculates a new credit limit for the right holder by subtracting the calculated guarantee amount from the extracted credit limit for the right holder,
  The server includes storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder. Consideration payment management method.
        23. The consideration payment management method according to claim 21 or 22, wherein the other credit amount is an amount calculated without collateral.
        24. The consideration payment management method according to any one of claims 21 to 23, wherein the other credit amount is an amount calculated in accordance with a credit transaction performance of the right holder.
        25. The consideration payment management method according to any one of claims 21 to 24, wherein the other credit amount is an amount calculated according to collateral held by the right holder.
        26. The consideration payment management method according to any one of claims 21 to 25, wherein the other credit amount is an amount calculated according to collateral held by the payment obligor.
        27. A server for managing payment of consideration paid by a payer who grants a credit limit including a consideration equivalent to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  Means for storing, in correspondence with the information for identifying the received right holder as a credit limit of the right holder, the total of the consideration equivalent amount of the received right holder and the other credit amount;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Means for storing the calculated new credit limit of the right holder in association with information for identifying the right holder as the credit limit of the right holder. Consideration payment management server.
        28. A server that manages payment of consideration paid by a payer who grants a credit limit including a consideration equivalent amount to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  The right to receive by adding the total amount of consideration received and the other credit amount to the credit limit of the right holder stored in the server in association with the information specifying the right holder. A means of calculating a new credit limit for the
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Means for storing the calculated new credit limit of the right holder in association with information for identifying the right holder as the credit limit of the right holder. Consideration payment management server.
        29. The consideration payment management server according to claim 27 or 28, wherein the other credit amount is an amount calculated without collateral.
        30. The consideration payment management server according to any one of claims 27 to 29, wherein the other credit amount is an amount calculated in accordance with a credit transaction of the right holder.
        31. The consideration payment management server according to claim 27, wherein the other credit amount is an amount calculated according to the collateral held by the right holder.
        32. The consideration payment management server according to claim 27, wherein the other credit amount is an amount calculated according to collateral held by the payment obligation.
        33. A computer for managing payment of consideration paid by a payer who grants a credit limit including a consideration equivalent amount to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  Means for storing, in correspondence with the information for identifying the received right holder as a credit limit of the right holder, the total of the consideration equivalent amount of the received right holder and the other credit amount;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Consideration payment management characterized in that it functions as a means for storing the calculated new credit limit of the right holder as a credit limit of the right holder in association with information identifying the right holder. program.
        34. A computer for managing payment of consideration paid by a payer by granting a credit limit including a consideration equivalent to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  The right to receive by adding the total amount of consideration received and the other credit amount to the credit limit of the right to be received stored in the computer in association with the information specifying the right holder. A means of calculating a new credit limit for the
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Consideration payment management characterized in that it functions as a means for storing the calculated new credit limit of the right holder as a credit limit of the right holder in association with information identifying the right holder. program.
        35. A computer for managing payment of consideration paid by a payer by giving a credit limit including a consideration equivalent to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  Means for storing, in correspondence with the information for identifying the received right holder as a credit limit of the right holder, the total of the consideration equivalent amount of the received right holder and the other credit amount;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  A program is recorded that functions as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder. A computer-readable recording medium.
        36. A computer for managing payment of consideration paid by a payer by giving a credit limit including a consideration equivalent to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  The right to receive by adding the total amount of consideration received and the other credit amount to the credit limit of the right to be received stored in the computer in association with the information specifying the right holder. A means of calculating a new credit limit for the
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  A program is recorded that functions as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder. A computer-readable recording medium.
        37. A computer that manages payment of consideration paid by a payer who grants a credit limit including a consideration equivalent to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  Means for storing, in correspondence with the information for identifying the received right holder as a credit limit of the right holder, the total of the consideration equivalent amount of the received right holder and the other credit amount;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Accepting together with the transaction amount when functioning as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder A consideration payment management medium in which information specifying the right holder is recorded.
        38. A computer that manages payment of consideration paid by a payer who grants a credit limit including a consideration equivalent to a right holder,
  Means for receiving the right equivalent of the right holder and other credit amount together with information identifying the right holder,
  The right to receive by adding the total amount of consideration received and the other credit amount to the credit limit of the right to be received stored in the computer in association with the information specifying the right holder. A means of calculating a new credit limit for the
  Means for storing the calculated new credit limit of the right holder in association with information identifying the right holder as the credit limit of the right holder;
  Means for accepting a transaction amount relating to a credit transaction of the right holder, together with information identifying the right holder;
  Means for calculating a guarantee amount to be paid by the payer based on the received transaction amount;
  Means for extracting a credit limit of the stored right holder based on information identifying the right holder received together with the transaction amount;
  Means for subtracting the calculated guarantee amount from the extracted credit right of the right holder and calculating a new credit limit for the right holder;
  Accepting together with the transaction amount when functioning as a means for storing the calculated new credit limit of the right holder as the credit limit of the right holder in association with information identifying the right holder A consideration payment management medium in which information specifying the right holder is recorded.
        39. A medium in which payment of a consideration is recorded by a payer who grants a credit limit equivalent to the consideration to the right holder,
  The above credit limit, paid consideration and unpaid consideration are recorded,
  The paid consideration is the amount guaranteed by the payer based on the transaction amount related to the credit transaction of the right holder.
  The payable recording medium, wherein the unpaid consideration is an amount obtained by subtracting the paid consideration from the credit limit.
        40. The consideration payment recording medium according to claim 39, wherein the paid consideration is recorded together with information on a payee.
        41. Connect to each of the customer ’s device and the customer ’s device via a communication network,
  Information identifying the above-mentioned user, information identifying the person who guarantees the payment of the transaction amount related to the margin transaction performed by this user (hereinafter referred to as “payment obligation”), and the payment party paying the above transaction amount A server having a storage means that stores a limit amount that guarantees (hereinafter referred to as a “credit limit amount granted to a user by a payment obligation”),
  Means for receiving a transaction amount relating to a margin transaction between the user and the business partner, information identifying the user, information identifying the business partner from the terminal of the business partner;
  Means for searching the storage means and extracting the information for identifying the payment obligor stored in association with the information for identifying the received user, and means for extracting the credit limit given to the user by the payment obligor; ,
  Means for displaying the credit limit given to the user by the extracted payer and the received transaction amount on the user's terminal;
  Means for receiving from the terminal of the user the amount specified within the range of the credit limit given to the user by the payer who is displayed as the credit limit given to the customer by the payer; ,
  Means for storing the credit limit amount given to the business partner received by the payment obligation received from the user's terminal and the information identifying the payment obligation in the storage means in association with the information identifying the business partner;
  The credit limit granted to the user by the payer by subtracting the credit limit granted to the customer by the payer from the credit limit granted to the user by the extracted payer. And a means for updating the credit limit given to the user by the payment obligation stored in the storage means.
        42. Connect to each of the customer ’s device and the customer ’s device via a communication network,
  Information identifying the above-mentioned user, information identifying the person who guarantees the payment of the transaction amount related to the margin transaction performed by this user (hereinafter referred to as “payment obligation”), and the payment party paying the above transaction amount A server having a storage means that stores a limit amount that guarantees (hereinafter referred to as a “credit limit amount granted to a user by a payment obligation”),
  Means for receiving a transaction amount relating to a margin transaction between the user and the business partner, information identifying the user, information identifying the business partner from the terminal of the business partner,
  Means for searching the storage means and extracting the information for identifying the payment obligor stored in association with the information for identifying the received user, and means for extracting the credit limit given to the user by the payment obligor; ,
  The amount corresponding to the received transaction amount is set as the credit limit granted to the business partner from the payment obligation, and the credit limit is associated with the information specifying the business partner together with the information specifying the payment obligation. Means for storing in the storage means,
  The credit limit granted to the user by the payer by subtracting the credit limit granted to the customer by the payer from the credit limit granted to the user by the extracted payer. And a means for updating the credit limit given to the user by the payment obligation stored in the storage means.
        43. In the storage means, information for specifying one user and information for specifying a plurality of payers are stored in association with each other,
  After receiving the transaction amount related to the margin transaction between the user and the business partner from the terminal of the business partner, the amount equivalent to the transaction amount is given to any of the plurality of payers 43. The consideration payment management server according to claim 42, further comprising means for determining whether or not to set the credit limit.
        44. Connect to the terminal of a financial institution that settles the transaction amount related to the credit transaction between the user and the customer through a communication network,
  44. The consideration according to claim 41, further comprising means for transmitting information necessary for settlement of the transaction amount to the terminal of the financial institution after receiving the transaction amount from the customer terminal. Payment management server.
        45. 45. The consideration according to claim 44, further comprising means for confirming that the transaction amount received from the terminal of the business partner is within the range of the credit limit granted to the user from the payment obligation extracted from the storage means. Payment management server.

【特許請求の範囲】
【請求項１】利用者の端末と取引先の端末のそれぞれと通信ネットワークを介して接続し、
上記利用者を特定する情報、この利用者が行う信用取引に係る取引額の支払を保証する者（以下、「支払義務者」という）を特定する情報、この支払義務者が上記取引額の支払を保証する限度額（以下、「支払義務者が利用者に付与した与信限度額」という）を関連付けて記憶している与信限度額管理部を備えたサーバであって、
上記利用者と上記取引先との間の信用取引に係る取引額と、この利用者を特定する情報を、上記取引先の端末から受信する手段と、
上記受信した取引額を、上記利用者が上記取引先に付与した与信限度額として、上記受信した利用者を特定する情報と関連付けて上記与信限度額管理部に記憶する手段と、
上記与信限度額管理部を検索して、上記受信した利用者を特定する情報と関連付けて記憶されている上記支払義務者を特定する情報と支払義務者が利用者に付与した与信限度額を、抽出する手段と、
上記抽出した支払義務者が利用者に付与した与信限度額と、上記利用者が取引先に付与した与信限度額を、上記利用者の端末に表示させる手段と、
上記表示させた支払義務者が利用者に付与した与信限度額の範囲内で指定された額を、この支払義務者が利用者に付与した与信限度額から上記利用者が取引先に付与した与信限度額への振替額（以下、「支払義務者への振替額」という）として、上記利用者の端末から受信する手段と、
上記受信した支払義務者への振替額を、この支払義務者が上記取引先に付与した与信限度額として、上記抽出したこの支払義務者を特定する情報と関連付けて上記与信限度額管理部に記憶する手段と、
上記与信限度額管理部に記憶されている支払義務者が利用者に付与した与信限度額を、この与信限度額から上記受信した支払義務者への振替額を減額して算出した額で更新する手段と、
上記与信限度額管理部に記憶されている利用者が取引先に付与した与信限度額を、この与信限度額から上記受信した支払義務者への振替額を減額して算出した額で更新する手段、とを有してなることを特徴とする対価支払管理サーバ。
【請求項２】利用者の端末と取引先の端末のそれぞれと通信ネットワークを介して接続し、
上記利用者を特定する情報、この利用者が行う信用取引に係る取引額の支払を保証する者（以下、「支払義務者」という）を特定する情報、この支払義務者が上記取引額の支払を保証する限度額（以下、「支払義務者が利用者に付与した与信限度額」という）を関連付けて記憶している与信限度額管理部を備えたサーバによる対価の支払を管理する方法であって、
上記サーバが、上記利用者と上記取引先との間の信用取引に係る取引額と、この利用者を特定する情報を、上記取引先の端末から受信するステップと、
上記サーバが、上記受信した取引額を、上記利用者が上記取引先に付与した与信限度額として、上記受信した利用者を特定する情報と関連付けて上記与信限度額管理部に記憶するステップと、
上記サーバが、上記与信限度額管理部を検索して、上記受信した利用者を特定する情報と関連付けて記憶されている上記支払義務者を特定する情報と支払義務者が利用者に付与した与信限度額を、抽出するステップと、
上記サーバが、上記抽出した支払義務者が利用者に付与した与信限度額と、上記利用者が取引先に付与した与信限度額を、上記利用者の端末に表示させるステップと、
上記サーバが、上記表示させた支払義務者が利用者に付与した与信限度額の範囲内で指定された額を、この支払義務者が利用者に付与した与信限度額から上記利用者が取引先に付与した与信限度額への振替額（以下、「支払義務者への振替額」という）として、上記利用者の端末から受信するステップと、
上記サーバが、上記受信した支払義務者への振替額を、この支払義務者が上記取引先に付与した与信限度額として、上記抽出したこの支払義務者を特定する情報と関連付けて上記与信限度額管理部に記憶するステップと、
上記サーバが、上記与信限度額管理部に記憶されている支払義務者が利用者に付与した与信限度額を、この与信限度額から上記受信した支払義務者への振替額を減額して算出した額で更新するステップと、
上記サーバが、上記与信限度額管理部に記憶されている利用者が取引先に付与した与信限度額を、この与信限度額から上記受信した支払義務者への振替額を減額して算出した額で更新するステップ、とからなることを特徴とする対価支払管理方法。
【請求項３】コンピュータを、請求項１記載の対価支払管理サーバとして機能させることを特徴とする対価支払管理プログラム。
【請求項４】コンピュータプログラムを記録したコンピュータ読取可能な記録媒体であって、
上記コンピュータプログラムは、請求項３記載の対価支払管理プログラムであることを特徴とするコンピュータ読取可能な記録媒体。       [Claims]
        [Claim 1] Connect to each of the customer ’s device and the customer ’s device via a communication network,
  Information identifying the above-mentioned user, information identifying the person who guarantees the payment of the transaction amount related to the margin transaction performed by this user (hereinafter referred to as “payment obligation”), and the payment party paying the above transaction amount A server with a credit limit management unit that stores a limit amount that guarantees (hereinafter referred to as a “credit limit amount granted to a user by a payment obligation”),
  Means for receiving a transaction amount relating to a margin transaction between the user and the business partner and information identifying the user from the terminal of the business partner;
  Means for storing the received transaction amount in the credit limit management unit in association with information for identifying the received user as a credit limit amount given to the customer by the user;
  The credit limit management unit is searched, and the information for identifying the payer stored in association with the information for identifying the received user and the credit limit given to the user by the payer, Means for extracting;
  Means for displaying on the user's terminal the credit limit granted to the user by the extracted payer and the credit limit given to the customer by the user;
  The credit given by the user to the business partner from the credit limit given to the user by the payer and the amount specified within the credit limit given to the user by the payer shown above A means of receiving from the user's terminal as a transfer amount to the limit amount (hereinafter referred to as “transfer amount to payer”);
  The received transfer amount to the payer is stored in the credit limit management unit in association with the extracted information specifying the payer as the credit limit granted to the customer by the payer. Means to
  Update the credit limit amount given to the user by the payment obligation stored in the credit limit management unit with the amount calculated by subtracting the transfer amount from the credit limit to the received payment obligation. Means,
  A means for updating the credit limit amount given to the customer by the user stored in the credit limit management unit with an amount calculated by subtracting the transfer amount from the credit limit amount to the received payer. A consideration payment management server comprising:
        [Claim 2] Connect to each of the customer ’s device and the customer ’s device via a communication network,
  Information identifying the above-mentioned user, information identifying the person who guarantees the payment of the transaction amount related to the margin transaction performed by this user (hereinafter referred to as “payment obligation”), and the payment party paying the above transaction amount This is a method for managing the payment of consideration by a server having a credit limit management unit that associates and stores the limit amount that guarantees the credit (hereinafter referred to as the “credit limit amount granted to the user by the payment obligation”). hand,
  The server receives a transaction amount relating to a margin transaction between the user and the business partner, and information identifying the user from the terminal of the business partner,
  The server stores the received transaction amount in the credit limit management unit in association with the information identifying the received user as a credit limit amount given to the customer by the user;
  The server searches the credit limit management unit and stores the information for identifying the payer stored in association with the received information for identifying the user and the credit given to the user by the payer Extracting a limit amount;
  A step of causing the server to display the credit limit amount given to the user by the extracted payer and the credit limit amount given to the customer by the user on the user terminal;
  The above-mentioned server gives the customer the amount specified within the range of the credit limit granted to the user by the payer displayed above from the credit limit given to the user by the payer. Receiving from the user's terminal as a transfer amount to the credit limit granted to (hereinafter referred to as “transfer amount to the payment obligation”);
  The server associates the received transfer amount to the payment obligor as the credit limit granted to the business partner by the payment obligor and associates it with the extracted information identifying the payment obligor, and the credit limit amount Storing in the management unit;
  The server calculates the credit limit granted to the user by the payer stored in the credit limit management unit by subtracting the transfer amount from the credit limit to the received payer. A step to update with the amount,
  The amount calculated by the above-mentioned server by subtracting the amount transferred from the credit limit amount to the payer who received the credit limit amount given to the customer by the user stored in the credit limit management unit A method for managing the payment, comprising the steps of:
        [Claim 3] A compensation payment management program for causing a computer to function as the compensation payment management server according to claim 1.
        [Claim 4] A computer-readable recording medium recording a computer program,
  The computer program is a consideration payment management program according to claim 3.

Claims

A method for managing payment of consideration paid by a payment obligation by granting a credit limit equivalent to the consideration to the right holder,
A step in which the consideration equivalent of the right holder is input to the server;
The server managing the input consideration equivalent as the credit limit of the right holder,
The server accepting transaction information including a transaction amount relating to a credit transaction of the right holder,
The server calculating a guarantee amount to be paid by the payment obligation based on the accepted transaction information;
And a step of subtracting the calculated guarantee amount from the managed credit limit amount and managing it as a new credit limit amount.

A method for managing payment of consideration paid by a payment obligation by granting a credit limit equivalent to the consideration to the right holder,
A step in which the consideration equivalent of the right holder is input to the server;
The server adds the input consideration equivalent amount to the credit limit of the right holder who is managing in the server and manages it as a new credit limit;
The server accepting transaction information including a transaction amount relating to a credit transaction of the right holder,
The server calculating a guarantee amount to be paid by the payment obligation based on the accepted transaction information;
And a step of subtracting the calculated guarantee amount from the managed credit limit amount and managing it as a new credit limit amount.

The server further comprises a step of comparing the calculated guarantee amount with the credit limit to be managed.
Claims in which the server executes the step of subtracting the guarantee amount from the credit limit amount and managing it as a new credit limit amount only when the calculated guarantee amount is less than or equal to the managed credit limit amount. The consideration payment management method according to item 1 or 2.

The consideration payment management method according to any one of claims 1 to 3, further comprising a step of outputting information necessary for settlement of the calculated guaranteed amount.

The server further comprising the step of confirming completion of the settlement of the guarantee amount,
Claim 1 wherein said server executes a step of reducing said guarantee amount from a managed credit limit amount and managing as a new credit limit amount after confirming completion of settlement of said guarantee amount The consideration payment management method according to any one of Items 4 to 4.

A server accepting credit reference information about the right holder,
6. The consideration payment management method according to any one of claims 1 to 5, further comprising: a step in which the server outputs inquiry result information for the accepted credit inquiry information.

7. The consideration payment management method according to any one of claims 1 to 6, further comprising a step of outputting information on a margin transaction of a right holder.

A server that manages payment of consideration paid by a payer by granting a credit limit equivalent to the consideration to the right holder,
Means for accepting the consideration equivalent of the right holder,
Means for managing the amount of consideration received as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management server comprising: means for subtracting the calculated guarantee amount from the credit limit to be managed and managing as a new credit limit.

A server that manages payment of consideration paid by a payer by granting a credit limit equivalent to the consideration to the right holder,
Means for accepting the consideration equivalent of the right holder,
Means for adding the received equivalent amount to the credit limit of the right holder who is managed in the server and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management server comprising: means for subtracting the calculated guarantee amount from the credit limit to be managed and managing as a new credit limit.

The consideration payment management server according to claim 8 or 9, further comprising means for comparing the calculated guaranteed amount with a credit limit to be managed.

The consideration payment management server according to any one of claims 8 to 10, further comprising means for outputting information necessary for settlement of the calculated guarantee amount.

The consideration payment management server according to any one of claims 8 to 11, further comprising means for confirming completion of settlement of a guarantee amount.

A means of accepting credit reference information regarding the right holder,
The consideration payment management server according to any one of claims 8 to 12, further comprising means for outputting inquiry result information for the accepted credit inquiry information.

14. The consideration payment management server according to any one of claims 8 to 13, further comprising means for outputting information relating to a credit transaction of a right holder.

A computer for managing the payment of consideration paid by the payer by granting a credit limit equivalent to the consideration to the right holder,
Means for accepting the consideration equivalent of the right holder,
Means for managing the amount of consideration received as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management program that functions as a means for managing a new credit limit by subtracting the calculated guarantee amount from the credit limit to be managed.

A computer for managing the payment of consideration paid by the payer by granting a credit limit equivalent to the consideration to the right holder,
Means for accepting the consideration equivalent of the right holder,
Means for adding the received consideration equivalent amount to the credit limit of the right holder who is managed in the computer and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management program that functions as a means for managing a new credit limit by subtracting the calculated guarantee amount from the credit limit to be managed.

A computer for managing the payment of consideration paid by the payer by granting a credit limit equivalent to the consideration to the right holder,
Means for accepting the consideration equivalent of the right holder,
Means for managing the amount of consideration received as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A computer-readable recording medium having recorded thereon a program that functions as a means for managing a new credit limit by subtracting the calculated guaranteed amount from the credit limit to be managed.

A computer for managing the payment of consideration paid by the payer by granting a credit limit equivalent to the consideration to the right holder,
Means for accepting the consideration equivalent of the right holder,
Means for adding the received consideration equivalent amount to the credit limit of the right holder who is managed in the computer and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A computer-readable recording medium having recorded thereon a program that functions as a means for managing a new credit limit by subtracting the calculated guaranteed amount from the credit limit to be managed.

The computer that manages the payment of the consideration paid by the payer granting the right holder the credit limit equivalent to the consideration,
Means for accepting the consideration equivalent of the right holder,
Means for managing the amount of consideration received as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
The fact that the information specifying the right holder to be received together with the transaction amount is recorded when functioning as a means for managing the new calculated credit limit by reducing the calculated guarantee amount from the credit limit to be managed. A featured payment management medium.

The computer that manages the payment of the consideration paid by the payer granting the right holder the credit limit equivalent to the consideration,
Means for accepting the consideration equivalent of the right holder,
Means for adding the received consideration equivalent amount to the credit limit of the right holder who is managed in the computer and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
The fact that the information specifying the right holder to be received together with the transaction amount is recorded when functioning as a means for managing the new calculated credit limit by reducing the calculated guarantee amount from the credit limit to be managed. A featured payment management medium.

A method of managing payment of consideration paid by a payment obligation by granting a credit limit including a consideration equivalent to the right holder,
A step in which a consideration equivalent amount and other credit amount of the right holder are input to a server;
The server manages the total of the input consideration equivalent amount and other credit amount as the credit limit of the right holder,
The server accepting transaction information including a transaction amount relating to a credit transaction of the right holder,
The server calculating a guarantee amount to be paid by the payment obligation based on the accepted transaction information;
And a step of subtracting the calculated guarantee amount from the managed credit limit amount and managing it as a new credit limit amount.

A method of managing payment of consideration paid by a payment obligation by granting a credit limit including a consideration equivalent to the right holder,
A step in which a consideration equivalent amount and other credit amount of the right holder are input to a server;
The server adds the total amount of the input consideration and other credit amount to the credit limit of the right holder who is managing in the server and manages as a new credit limit;
The server accepting transaction information including a transaction amount relating to a credit transaction of the right holder,
The server calculating a guarantee amount to be paid by the payment obligation based on the accepted transaction information;
And a step of subtracting the calculated guarantee amount from the managed credit limit amount and managing it as a new credit limit amount.

The consideration payment management method according to claim 21 or 22, wherein the other credit amount is an amount calculated without collateral.

24. The consideration payment management method according to any one of claims 21 to 23, wherein the other credit amount is an amount calculated according to a credit transaction performance of the right holder.

25. The consideration payment management method according to any one of claims 21 to 24, wherein the other credit amount is an amount calculated according to collateral held by the right holder.

26. The consideration payment management method according to any one of claims 21 to 25, wherein the other credit amount is an amount calculated according to collateral held by the payment obligor.

A server that manages payment of consideration paid by a payment obligation by granting a credit limit including a consideration equivalent to the right holder,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for managing the total amount of consideration received and other credits as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management server comprising: means for subtracting the calculated guarantee amount from the credit limit to be managed and managing as a new credit limit.

A server that manages payment of consideration paid by a payment obligation by granting a credit limit including a consideration equivalent to the right holder,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for adding the total amount of consideration received and other credit amount to the credit limit of the right holder who is managed in the server and managing as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management server comprising: means for subtracting the calculated guarantee amount from the credit limit to be managed and managing as a new credit limit.

The consideration payment management server according to claim 27 or 28, wherein the other credit amount is an amount calculated without collateral.

30. The consideration payment management server according to any one of claims 27 to 29, wherein the other credit amount is an amount calculated in accordance with a credit transaction of the right holder.

The consideration payment management server according to any one of claims 27 to 30, wherein the other credit amount is an amount calculated according to collateral held by the right holder.

32. The consideration payment management server according to any one of claims 27 to 31, wherein the other credit amount is an amount calculated according to the collateral held by the payment obligor.

A computer for managing the payment of the consideration paid by the payment obligation by giving the right holder the credit limit including the consideration equivalent amount,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for managing the total amount of consideration received and other credits as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management program that functions as a means for managing a new credit limit by subtracting the calculated guarantee amount from the credit limit to be managed.

A computer for managing the payment of the consideration paid by the payment obligation by giving the right holder the credit limit including the consideration equivalent amount,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for adding the total amount of consideration received and the other credit amount to the credit limit of the right holder who is managed in the computer and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A consideration payment management program that functions as a means for managing a new credit limit by subtracting the calculated guarantee amount from the credit limit to be managed.

A computer for managing the payment of the consideration paid by the payment obligation by giving the right holder the credit limit including the consideration equivalent amount,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for managing the total amount of consideration received and other credits as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A computer-readable recording medium having recorded thereon a program that functions as a means for managing a new credit limit by subtracting the calculated guaranteed amount from the credit limit to be managed.

A computer for managing the payment of the consideration paid by the payment obligation by giving the right holder the credit limit including the consideration equivalent amount,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for adding the total amount of consideration received and the other credit amount to the credit limit of the right holder who is managed in the computer and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
A computer-readable recording medium having recorded thereon a program that functions as a means for managing a new credit limit by subtracting the calculated guaranteed amount from the credit limit to be managed.

A computer that manages the payment of consideration paid by the payer by granting a credit limit including the consideration equivalent to the right holder,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for managing the total amount of consideration received and other credits as the credit limit of the right holder,
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
The fact that the information specifying the right holder to be received together with the transaction amount is recorded when functioning as a means for managing the new calculated credit limit by reducing the calculated guarantee amount from the credit limit to be managed. A featured payment management medium.

A computer that manages the payment of consideration paid by the payer by granting a credit limit including the consideration equivalent to the right holder,
Means for accepting the above-mentioned beneficiary's consideration equivalent and other credit amounts;
Means for adding the total amount of consideration received and the other credit amount to the credit limit of the right holder who is managed in the computer and managing it as a new credit limit;
Means for receiving transaction information including a transaction amount relating to a credit transaction of the right holder,
A means for calculating a guarantee amount to be paid by the payment obligation based on the transaction information;
The fact that the information specifying the right holder to be received together with the transaction amount is recorded when functioning as a means for managing the new calculated credit limit by reducing the calculated guarantee amount from the credit limit to be managed. A featured payment management medium.

A medium that records payment of consideration paid by the payer by granting a credit limit equivalent to the consideration to the right holder,
The above credit limit, paid consideration and unpaid consideration are recorded,
The paid consideration is the amount guaranteed by the payer based on the transaction amount related to the credit transaction of the right holder.
The payable recording medium, wherein the unpaid consideration is an amount obtained by subtracting the paid consideration from the credit limit.

40. The consideration payment recording medium according to claim 39, wherein the paid consideration is recorded together with information on a payee.